davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission XXXX Identity Theft Affidavit. 

Please delete the items as soon as possible.
Consumer complaint received 2024-09-20
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)

I hope this letter finds you well. I am writing to bring to your attention, for the third time, an ongoing issue regarding several settled accounts that continue to be inaccurately reported on my credit report. Despite my previous two disputes and submissions of all necessary documentation, these accounts have yet to be properly updated or removed. The continued presence of these accounts is in clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ). Under Section 611, credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. This includes contacting the creditor, reviewing relevant documents, and ensuring the disputed information can be properly verified. If the bureau can not verify the accuracy of the disputed information, it must be promptly removed from the credit report. 

I am now questioning the thoroughness of the investigation and verification process conducted by your bureau. Given that this is the third time I am disputing the same settled accounts, it is clear that the verification process has either not been conducted properly, or the necessary corrective actions have not been taken. The Fair Credit Reporting Act mandates that credit reporting agencies adhere to strict verification standards to protect consumers from inaccurate or outdated information being reflected on their credit reports. 

I am therefore requesting the following : -A thorough reinvestigation of these settled accounts. 
-An explanation of the specific verification steps that have been taken during your previous investigations, including details of communications with the creditors. 
-The removal or accurate updating of these accounts in accordance with the information provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (KS)

need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-04-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-02
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)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : 1. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # XXXX XXXX Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : 1 ) XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX  Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-10-02
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)

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. 

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 2024-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

Last year I was signed up with a debt consolidation group, XXXX XXXX. They had many of my credit cards enrolled including a discover card. I found in this year that they were not taking care of the consolidation as they were paid to do, they just took the money and ran. I found this out when I got a letter from Pressler, Felt & Warshaw ( PFW ) that they were suing me. At that time, I canceled the XXXX account and signed up with XXXX XXXX XXXX. I have spent HOURS trying to get PFW to speak with me, I have left numerous voicemails, sent multiple emails with no response. On XX/XX/XXXX I called the original debtor, XXXX card and they connected me with someone at PFW, XXXX  XXXX. He claimed to understand the situation and advised that he was going to request a letter from PWF advising they would be able to work the new debt consolidation program and halt further legal proceedings. He told me I would have this letter on XX/XX/year>. It is now XXXX and I do not have this letter. I emailed PFW multiple times in the past week with no response. I have tried calling multiple times and get no where as the people who answer can't talk to me and then send me to a line that puts me on hold for hours. I have reached out at least a dozen times with no response.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I have filed two complaints : XXXX XXXX Bottom line is that I can not obtain my credit report online at the Equifax website. I have created an account, but it will not allow me to pull it up. 

They have sinced sent me a letter that says I have to request this in writing and provide certain information ( attached ). This seems like just a way to discourage me. I should be able to obtain this information on the Equifax website. 

I can go on the Equifax website and see my credit score and put a freeze on my credit report ( attached ). But when I try to pull up my credit report, it won't work. I tried this once and then removed my freeze on my credit report, just in case that stopped it, but it still would not come up ( attached ). I keep getting a message that they are temporarily unable to complete my request. So I can see my credit score on their website and freeze my credit report, but I can't see the credit report. They had to verify my information to give me this account, now they want it in writing. 

I can even see my Equifax credit report on XXXX XXXX ( attached ). 

Bottom line is that I should be able to go on the Equifax website and download my credit report. 

I also tried one of those free credit report sites. I could obtain my XXXX and XXXX credit reports, but not Equifax. I got a message that it could not be done. 

I have accounts on the XXXX and XXXX websites and can see my credit scores, freeze my credit reports and see/download my credit reports. 

Why can't Equifax fix their website so that I can see and download my credit report on their website.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CA)

Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 

I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. 

Please help me! I never lived at XXXX old XXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 

Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.
Consumer complaint received 2024-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I have a student loan through Mohela, which is currently eligible for XXXX XXXX XXXX XXXX. 

From XXXX to XXXX of XXXX, I made XXXX payments during a forbearance period that were not required of me. 

In XXXX of XXXX, I made a refund request to have the money returned to me, which Mohela let their customers know was available. 

From XX/XX/XXXX through XXXX of XXXX, I called Mohela customer service multiple times to check on the status of the refund. 

I received multiple different answers from various employees of Mohela regarding to process for the refund. 

One of the more recent calls I spoke with a representative that stated the refund would be processed within XXXX business days and that I should receive the refund in that time frame. 

I then waited the full 90 days and called them back on XX/XX/XXXX. This time, I spoke with a new customer service rep who told me that they needed to escalate the request because it had not yet been approved by Mohela, so therefore was not sent to the Dept. of Education. I inquired about why after several phone calls and reassurances that the request would go through, why this new escalation needed to be done. I explained that over XXXX dollars is not a small sum of money and that I was unhappy with the handling and runaround that I had been getting. 

I then spoke with a supervisor, XXXX, who then informed me that she needed to start a whole new process to have my account " rebilled '' so that they requests could even go through. She refused to give me a time frame, and then confirmed that it may take several months, which is well over the initial 90 day time frame. I asked why these requests were so mishandled and she did not give me an answer. She said this needs to be approved by " upper management ''. However, when asking to speak to someone from this upper management, she told me the best she could do was send an email request which would take several weeks. 

I then inquired if I was entitled to interest for the untimely handling of money that was rightfully mine given how much predatory interest I already pay on these loans, and she told me no. 

I explained to her that I was very unhappy with the mishandling of my request, the multiple different answers that I received, and now having to go through multiple new processes to receive a large sum of money that is rightfully mine. I let her know that I think both her and the people that work under her that I had previously spoken too were bad at their jobs given how many wrong answers and quite frankly complete incompetence in performing the right processes to properly refund me. 

If this is not handled in a timely manner, I will also be planning to take legal action.