davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Hello Capital one sent me and offer welcome letter for one of their credit card and Said I was also pre approved on top of the welcome offer. They have sent me many different times. And said we run your credit already. Then when i clicked finish the application they denied me for that same card. And thats misleading I have asked them to remove the hard inquiry on my records and they refused to do it. I also reached out to the 3 credit bureau and they said capital one can remove it. But even talking to their seniors and supervisors they said they would not remove it. Even tho we send you the welcome offer letter and the pre approval. Please help this is hurting my credit and adding more hard inquiries.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-09-11
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. (NY)

I was defrauded by XXXX XXXX, enticed to switch with a {$150.00} XXXX gift card they later refused to provide, the Internet service was not good so it only lasted 9 days. I was told by XXXX rep on phone that i should wait for the prorated bill. Bill never came and i actually forgot about this horrible experience and they put a collection on my credit report right before i started looking for an apartment. XXXX has refused to listen to the recording of there rep saying wait for prorated bill so Experian just takes their word for it and won't remove despite the most expensive 9 days of subpar Internet service being paid now. And I'm stuck and about to be homeless despite making north of XXXX and having never paid rent late once in my life
Consumer complaint received 2024-09-30
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-18
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. (MO)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not fernish a account without my written letter of instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer 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 antendates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not fernish any information relating to a consumer to any credit reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have XXXX items on my credit report that are not reporting correctly. 

XXXX XXXX XXXX XXXX : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the payment status is inaccurate and different on the other bureaus, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete. 

XXXX XXXX XXXX XXXX XXXX Account number : XXXX, The credit limit is incomplete, the past due is incomplete, the date of last payment is incomplete. 

XXXX XXXX XXXX XXXX XXXX Account number : XXXX, The credit limit is incomplete, the past due is incomplete, the date of last payment is incomplete. 

I have asked Experian to correct this however, they keep sending me an email saying they refuse to investigate my " Alleged '' Dispute that they believe it's not authorized or from me. I went online looking for help and the feedback I'm getting is that this is a stall tactic by Experian to avoid compliance with the XXXX XXXX. 

I am submitting this compliant in hopes that the CFPB will help me protect my consumer rights.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I woke up this morning to find inaccurate accounts on my credit report, and I have no idea how they got there. I've checked my report regularly, but this time there were discrepancies that seemed to appear out of nowhere. I even refreshed my browser thinking it was a glitch, but nothing changed. The accounts remained. Because of this, I urgently need the documents I've submitted to be reviewed carefully, so I never have to deal with this stress again.
Consumer complaint received 2024-09-11
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. (AZ)

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting SYNCB/SCORER Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXXXXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Update to Open/Never late 9. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 

10. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing to file a formal complaint and dispute regarding errors on my credit report that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found inconsistencies related to the reporting of charge-off dates for two separate accounts.

The accounts in question are : XXXX XXXX XXXX Account Number : XXXX Incorrect Charge-Off Date : [ State the incorrect date reported ] These errors are inaccurate and misleading, causing harm to my creditworthiness. Under the FCRA, I have the right to an accurate credit report, and these discrepancies warrant immediate correction. 

I have taken steps to dispute these errors directly with the credit reporting agencies and the creditors involved, but I have not received adequate resolution. Enclosed are copies of my credit report highlighting the errors, along with any correspondence related to my dispute.

Charge off dates are inaccurate between the two credit companies.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit reporting agencies and creditors comply with federal law. The charge-off dates must be accurately reflected, or the information should be removed from my credit report if it can not be verified as accurate.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-02
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. (OH)

I am writing to report inaccurate information on my consumer reports from Experian, XXXX, and XXXX, resulting from identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I did not authorize the inclusion of these transactions on my reports. This is my official request that this account be permanently blocked and removed, as it is reporting adverse 30-day or more late payments. This is inconsistent with the record, which shows a payment made in the prior month. Additionally, there are discrepancies between the account numbers and account names. This incorrect information is harming my ability to obtain new credit. See attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fusion Auto Finance (NY)

Inaccurate Information reported to Credit Bureau. 

To whom this may concern, this is the 2nd time in a matter of months that my auto loan with this lender has reported an inaccurate balance and increase to the credit bureau. The first inaccurate report was corrected in a few days however, this second inaccurate report is now becoming frustrating. I am in the middle of purchasing a home and this incorrect information is becoming a burden to deal with. It makes being a consumer for this lender completely undesirable. Can someone please get back to me immediately with a response and a quick solution for rectifying this incorrect information once again immediately please. For the past XXXX years I have never had a problem with this lender. For the past XXXX months, this issue has been completely ridiculous. I have attached the information that I need corrected.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I AM WRITING A COMPLAINT ABOUT XXXX XXXX XXXX, I TOOK OVER A LOAN FROM PREVIOUS OWNER WHEN I BOUGHT MY HOUSE WITH SOLAR PANELS ALREADY INSTALLED. I HAD PROBLEMS SINCE THE BEGINNING OF THIS LOAN BECAUSE THEY WERE MIXING UP MY INFO WITH THE PREVIOUS OWNER. FOR ALMOST THE FIRST YEAR OF THE LOAN THE COMPANY THAT WAS SERVICING THE LOAN WAS MISAPPLYING MY PAYMENTS AND TELLING ME I DIDNT HAVE THE LOAN THAT IT WAS STILL UNDER OLD OWNER. IT WAS A HASSLE EVERY TIME I CALLED.THEN WHEN SUNLIGHT STARTING SERVICING THEIR OWN LOANS THEY SENT ME A STATEMENT SAYING MY ACCOUNT WAS BEHIND, BUT THE TRANSACTION RECORDS SHOW THAT I HAD A CREDIT OF {$640.00} WHICH WAS PORTED IN ON XX/XX/year>. I HAVE BEEN ASKING IT TO BE FIXED FOR MOTHS WITH DISPUTES TO CREDIT BUREAUS AND THEY HAVE STILL NOT FIXED IT. ( DOCUMENTS ATTACHED ) I WANT MY CREDIT REPORT TO BE CORRECTED, IT SAYS IN XXXX I WAS XXXX  DAYS PAST DUE, THAT IS NOT CORRECT. I CALLED SUNLIGHT THEY AGREED WITH ME, AND THEY SAID THEY WILL OPEN A CASE TO HAVE IT CORRECTED, BUT NEVER DID, THIS IS HURTING MY CREDIT AND CAUSING ME ISSUES WITH OTHER LOANS. I HAVE PAID ON TIME OF PAID IN ADVANCE SEVERAL TIME MY HISTORY SHOULD SHOW THIS ERROR BUT IT IS NOT BEING CORRECTED. PLEASE HELP.
Consumer complaint received 2024-09-30
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. (NC)

I am reaching out to bring attention to several issues Ive encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reports, inconsistent billing, incorrect personal information, and accounts that do not belong to me.
Consumer complaint received 2024-09-27
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. (GA)

I have disputed XXXX XXXX regarding them reporting repeated charges- off on my credit report and they have replied stating that they sold the account to XXXX XXXX XXXX and by the FCRA they are not in the wrong by reporting the repeated charge-off each month and they will not change anything. 

To my understanding, according to the FCRA, these laws should be applied to this company as well as the credit bureaus that are reporting this inaccurate information Key Legal Citations in This Dispute Letter : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Requires furnishers of credit information to report accurate information.

15 U.S.C. 1681e ( b ) : Mandates credit reporting agencies ensure maximum possible accuracy.

15 U.S.C. 1681c : Limits the duration that negative information can remain on a credit report ( 7 years for most items ).

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputes and correct inaccuracies.

15 U.S.C. 1681n : Allows for statutory damages if the FCRA is willfully violated.

26 U.S.C. 6050P : Governs the reporting of debt cancellations to the IRS.

15 U.S.C. 6802 : Protects the privacy of consumer financial information and governs its sharing with third parties.
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: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute inaccurate information that appears on my Equifax credit report. I am asserting my right. 

While comparing my Equifax and XXXX credit reports, I discovered several discrepancy regarding the DATE OF LAST PAYMENT. 


XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) The FCRA was enacted to protect consumers from the inclusion of inaccurate or outdated information in their credit reports and gives consumers the right to dispute such inaccuracies. 
Section 611 ( 15 U.S. Code 1681i ) - Procedure in case of disputed accuracy : This section requires credit reporting agencies to investigate disputes within 30 days and to correct or delete any inaccurate, incomplete, or unverifiable information.

Section 609 ( 15 U.S. Code 1681g ) - Disclosures to Consumers : This section entitles you to receive a copy of your credit report and any information contained in it.

Section 623 ( 15 U.S. Code 1681s-2 ) - Responsibilities of Furnishers of Information : This section mandates that data furnishers ( such as creditors ) must report accurate information and correct any errors promptly once notified of a dispute.

Fair and Accurate Credit Transactions Act ( FACTA ) An amendment to the FCRA, FACTA provides additional consumer protections, such as the right to obtain a free credit report annually from each of the three major credit bureaus.

Specifically, on my Equifax report, the date of last payment is listed as XX/XX/XXXX while on my XXXX report, the date is listed as XX/XX/XXXX. This inconsistency is affecting the accuracy of my credit profile. 

Please investigate and correct this error. I have enclosed a copy of my Equifax and XXXX reports for reference, discrepancies.