davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX/Experian/XXXX credit reporting agency has put incorrect information on my credit report pertaining to my mortgage loan, they marked me late for the months of XXXX XXXX  .my loan was not late each of those months, my mortgage loan was paid on time and also I spoke to XXXXXXXX XXXX Home mortgage about the situation and they stated that my account was not late and for me to take this matter up with the credit bureaus that reported me late. I have reached out to the credit bureaus but I haven't gotten anything in return from them.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I tried to log into myEquifax and got this pop-up : Please give us a call We can't complete your request at this time. 
Please call the XXXX XXXX XXXX  XXXX ( XXXX ) I called and stayed on the phone until an XXXX agent answered. I gave the agent my XXXX XXXX XXXX, phone number and home address as requested. The agent asked for a cell phone number and I informed him I didn't own a cell or smart phone. He told me he could not verify my identity without a cell/smart phone number. 
I requested to speak with management and an XXXX lady came on the phone. I told her I don't own a cell/smart phone and she said I would need to send copies of my driver license, social security card and other items via post. I refused and asked for her XXXX. She told me she could not do that. I asked for the name of the CEO of Equifax XXXX and she said she could not give me that information. I asked her to send her requirements to me via the post and she said she could not do that. 
From what I could tell, she could not do anything at all. I informed her it was my legal right to freeze my account. She again repeated that I needed to send copies of information via post. 
I'm the victim of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and numerouse other breaches including the XXXX XXXX  of XXXX. As far as I can see, XXXX XXXX is making this harder than any of the other credit beurals so they can continue to sell data. I have the right to freeze this and XXXX XXXX is refusing. They have enough information to identify me. I know this because the other credit reporting agencies didn't need all the information I supplied. 
XXXX XXXX
Consumer complaint received 2024-07-11
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. (AZ)

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 2017-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (UT)

This account is with Progressive which shows the original creditor as   XXXX   XXXX  . I have no knowledge of this debt and I have asked multiple times to verify this debt as mine. I have not got any proof that this is my account. First off I had health insurance and anytime I had a bill or went to the docs it was paid by my insurance. Second it is HIPPA violation to release any information to a creditor or any one else. If this is my account I would have signed a hippa form to not disclose my information to anyone so this would be against the law that Progressive has the account.
Consumer complaint received 2024-10-25
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. (MD)

I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Subject : Request for Investigation and Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to address the ongoing issue of inaccurate account information on my credit report that has not been removed following seven unsuccessful reinvestigations. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related laws.

Basis for Dispute : I have previously submitted multiple disputes to Equifax regarding inaccuracies in the account listed below, providing clear evidence of the errors and requesting its removal from my credit report. Despite seven reinvestigations, the inaccurate account remains on my credit report, which is a clear violation of the FCRA and applicable regulations.

As per Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA and 15 U.S. Code 1681i ( 5 ), if a reinvestigation does not resolve the dispute, the credit bureau is required to delete the disputed information. The repeated failure by Equifax to remove this incorrect account information has caused me significant financial harm and distress. 

Account Information : Account Number : XXXX Creditor Name : XXXX I request that the Consumer Financial Protection Bureau investigate this issue and take necessary legal action to ensure that Equifax complies with the FCRA. I am also requesting the immediate removal of the inaccurate account information from my credit report. 

The inability of Equifax to properly handle this matter has negatively impacted my credit standing, and I am seeking your assistance in enforcing the legal obligations Equifax is required to meet under the FCRA.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX - Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$3600.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$1900.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$640.00} Date opened XX/XX/XXXX Unauthorized inquiries 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

RE : Credit Report Dispute Dear Sir/Madam , I am writing to formally dispute inaccuracies in my credit report that I have identified. These errors are having a detrimental effect on my credit score and my ability to secure financial products at reasonable rates. 

Incorrect Account Status : Account Name : XXXX Account Number : XXXX Issue : The account is reported as " XXXXXXXX XXXX XXXX XXXX XXXX. '' However, this account was settled and closed before any bankruptcy filed. This misreporting is incorrectly portraying my credit obligations and resolution. 
Discrepancy in Payment History : Account Name : XXXX Account XXXX : XXXX Issue : The payment status shows as closed but fails to reflect the account was purchased by another lender, XXXX XXXX, and remains active under their management. This omission is misleading and affects the evaluation of my active credit. 
Outdated Information : Public Record : XXXX XXXX XXXX Filed On : XX/XX/year> Issue : As per the federal guidelines, this record should have been updated to reflect the current status post-discharge as of XX/XX/year>. Continued listing without updates misrepresents my current financial standing. 
These inaccuracies are causing significant harm to my financial reputation and are not representative of my actual credit history or my current financial situation. I request a thorough investigation into these discrepancies and that they be corrected at the earliest. 

Attached are copies of documents supporting my claims for your review. Please update your records accordingly and send me a corrected copy of my credit report. 

Thank you for your attention to this matter. I expect a response within the statutory timeframe. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and this statement is being composed by me. These inquiries and incorrect information should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these inquiries and incorrect information listed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I noticed some unauthorized inquiries on my credit report that I would like removed, according to the FCRA XXXX XXXX XXXX these unverified and unauthorized items must be removed. 
I filed a complaint with the FTC reference number XXXX Inquiries include 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
Consumer complaint received 2024-07-11
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2017-07-19
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: Experian Information Solutions Inc. (AL)

There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, 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. (FL)

I applied for a mortgage through XXXX and they repeatedly ran hard inquiries via Equifax Mortgage. The Hard Inquiry on XX/XX/XXXX should be the only date recorded. The dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX should all be removed from my report and my husbands. We both received alerts for the dates the Hard Inquiries were requested and we reached out to the loan officer and questioned what was going on. He stated that they were soft inquiries and would not affect our credit worthiness. We recently requested a credit increase on one our credit cards but was denied due to too many hard inquiries. The credit reports we received indicate Hard Inquiries not soft and this error or oversight has had a negative effect on our credit. We both have scores in the low XXXX and the reason for the credit increase denial on our credit card is too many 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 status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX / XXXX acct # XXXX with {$200.00} bal., XXXX XXXX acct # XXXX bal. {$1800.00}, XXXX acct # XXXX, bal. {$1300.00}, Also XXXX collections accounts, XXXX XXXX acct # XXXX, bal. {$200.00}, XXXX XXXX XXXX, acct # XXXX bal. $ XXXX.These accounts have resulted in several fraudulent hard inquiry and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-28
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. (CA)

XXXX, XXXX, & Equifax are report inaccurate information on my credit report. XXXX are reporting accounts that at XXXX years old and will not remover them. Also all 3 credit bureaus are reporting a XXXX XXXX Credit card on my credit report and I have called and went into the bank branch and they have no record of the account in their system. Ive disputed the account several times and they continue to verify false information. I am in the process of buying a home. The account has late payments and because XXXX XXXX doesnt have any record of the account they cant remove the late payments, which is the reason for the dispute.
Consumer complaint received 2024-09-11
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-11
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 in the most recent XXXX and XXXXXXXX XXXX  data breach and 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.
Consumer complaint received 2024-07-14
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: Experian Information Solutions Inc. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/year> I accessed my credit card to set up payment and my account was restricted. I contacted Capital One on XX/XX/year> and I was informed my account was closed due to a bankruptcy. I then requested a copy of my statement. The representative advised me a request would need to be submitted and will be notified by email when I will be able to access my account to obtain my statement. I never received an email. I contacted Capital One again on XX/XX/year> and received the same response that I can not access my account due to a bankruptcy and that I will receive a statement. Apparently the company realized the error and reopened my account without notifying me of the changes. Due to their error and restricting the account the last payment made was on XX/XX/year>. Because I was not properly notified of the account closure and the reopening of the account with restrictions, Capital One assessed late fees for non payment. On XX/XX/year> I made a payment of {$1000.00} and my account is again listed as restricted. I contacted Capital One XX/XX/year> and advised that my account be restored or will file a complaint.