davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

synchrony bank had a promotional offer with living spaces that was pretty good, when offered the rep did not specify that if synchrony bank runs your transunion report ( mine has a lock on it ) randomly or every quarter is what the phone rep at synchorny bank stated and it will decided to close your account rather in good standing or not. She stated it was in the terms and conditions I asked the rep what am I signing she explained but that important pieces was left out. Its been over a year since I had that account and been paying on it and now its closed. I would have paid in full if I was told this now and I would have never signed up for this and would have just paid up front. I have a balance on its now on my credit card much has dropped me significantly as I am in the process of obtaining a town home
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Description of the Issue : I am filing this complaint because Equifax has continuously denied me electronic access to my free credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am in the process of purchasing a home and need immediate access to my credit report in order to dispute inaccurate information. Despite having my correct password, Equifax is locking me out of my account, and when I attempt to log in, I receive an error message instructing me to call their Customer Care team. I have made multiple calls to Equifax, but they have not restored access to my account or allowed me to retrieve my credit report electronically, which is my preferred method of access. 

Under 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA, I am entitled to access my credit report once every 12 months at no cost. Equifaxs failure to provide me electronic access to my credit report directly violates this statutory right. I specifically do not want a hard copy mailed, as I need immediate access to the report electronically to resolve credit issues in preparation for purchasing a home.

Further, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information in my credit report, and the consumer reporting agency ( Equifax ) is required to conduct a reasonable reinvestigation. However, by denying me electronic access to my account, Equifax is preventing me from exercising my right to dispute and correct the information on my credit report.

Equifaxs actions are also delaying my right to timely responses as outlined in 15 U.S.C. 1681j ( a ), which ensures prompt access to consumer reports, especially when they are necessary for critical financial decisions like purchasing a home.

I believe Equifaxs failure to allow me electronic access to my credit report violates the FCRA, and I request the CFPBs immediate intervention to enforce compliance with the following sections of the FCRA : 1. 15 U.S.C. 1681g ( a ) ( 1 ) : The right to access my credit report annually at no cost in the format I choose ( electronically ).

2. 15 U.S.C. 1681i ( a ) ( 1 ) : The right to dispute inaccurate information in my credit report and have Equifax reinvestigate.

3. 15 U.S.C. 1681j ( a ) : The right to timely access to consumer reports, which has been unreasonably delayed.

I respectfully request that the CFPB investigate Equifaxs non-compliance with the FCRA and require them to restore my electronic access to my account and facilitate my ability to dispute inaccuracies on my credit report.

Attached is my drivers license ssn, proof of residency, and screenshot of what the error message is
Consumer complaint received 2024-08-26
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've been a victim of identity theft. My information was exposed to the public during the XXXX, XXXX, and XXXX data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and PERMANENTLY.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (NC)

I understand that the debt in question was charged off and as such, it is my understanding that the outstanding balance is no longer considered collectible. Despite this, I have received correspondence from your institution attempting to collect on this debt. 

Furthermore, I have not received a Form 1099-C, Cancellation of Debt, from the IRS for the tax year in which the debt was charged off. As a result, there has been no official recognition from the IRS regarding the cancellation of this debt.
Consumer complaint received 2024-09-13
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. (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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2024-08-27
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. (UT)

I sent a validation cease and desist to the collections company 's ( XXXX XXXX XXXX XXXX XXXX XXXX  ) providing them with the dispute letters asking for a validation letter as well as an ASSIGNMENT CONTRACT which I have not received. I filled a CFPB complaint however nothing was done about it. This unfortunate situation is keeping me from living my life it's creating a strain on my everyday life and mental health.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been unable to acquire my credit score from Transunion on several occasions. 
in XX/XX/2023.I have been unable to go online..or speak with someone who can help me..The other credit agencies were helpful but Transunion is unresponsive on more than one occasion..
Consumer complaint received 2024-08-26
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

This account has been closed for a year but the credit report keeps saying Im late even though I have no access to this bank account. If its closed why is it showing up as late not to mention there are many discrepancies with this report such as the accuracy of payment dates etc
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX Account Number : XXXX XXXX : XXXXXXXX XXXX  Account Number : XXXX XXXX : Navy Federal Credit Union, Account Number : XXXX
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-27
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. ()

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-07-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION (VA)

I banked with Navy Federal since 2013. I got my first credit card with them for {$500.00} and within 6 months I applied for a credit limit increase and was approved for XXXX I believe. I could be off. I was XXXX at the time. I soon applied for a loan for a car for {$12000.00} and got approved. I applied for an additional credit card a few years later and a loan to help my mother pay on her house. I lost my job and didnt have income so I was no longer able to pay on the car. The car got repossessed by the bank but 8 years later Navy Federal is making sure that this hurts my credit. It is extremely unfair, they got the car back and sold it already and I cant get approved for a place to live. Ive been homeless on and off the past 3 years of my life. XXXX XXXX now about to turn XXXX. I dont believe any of this is fair. I was told it would be removed in 7 years, its now been XXXX and they will not remove it.
Consumer complaint received 2024-08-26
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I logged into my XXXX account to check my escrow balance and was shocked to find that it showed I was XXXX  days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my credit.
Consumer complaint received 2024-08-26
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. (NY)

Due to several data breaches my personal information has been compromised and several accounts who dont belong to me were opened in my name. I have attached a copy of my only address/ my passport which shows my legal name and proof I filed an identity theft report with the ftc along with freezing my reports via XXXX XXXX  All names addresses and accounts listed with transunion are false and do not belong to me. I have attached proof of my only identity, my only account number which is my social security number and a proof of my only address from a government agency ( IRS )
Consumer complaint received 2024-08-26
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX 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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MO)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a
violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation! 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I had a credit card from XXXX XXXX XXXX show up on my XXXX report. I tried to dispute it with XXXX but they said it doesn't show on their end due to me being an Authorized user of the card and not the main account holder and I would need to contact XXXX XXXX XXXX. They have no way for non-customers to contact them. You have to have a credit card number so I can't even attempt to dispute it with them. This card has multiple late payments and it's preventing me from getting a mortgage loan approved.
Consumer complaint received 2024-08-26
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)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am having technical issues with my Experian account and am unable to talk to a human to resolve the issues. I tried their general customer support line and no amount of menuing is successful. As a last resort, I tried using their sales line as an avenue to a human. I did reach a person who supposedly transferred me to their consumer line, but as I write this I have been on hold for XXXX hours. In total I have been troubleshooting this for XXXX hours. 

I am traveling and am I need of access to my credit report and temporarily unfreezing my experian credit, but can not even reach the login page due to a strange error. I have accessed my account countless times and have not had issues before.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-08-26
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!