davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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)

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2024-04-22
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: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Filed an Federal Trade Commission Report ( FTC Report # XXXX ) and send it to XXXX and Transunion. 

The report states to please remove the following hard inquiries as they are fraudulent. 

XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX Tennessee Dept Of H Account # XXXX Past Due Amount {$3600.00} Transunion XXXX ) XXXX XXXX  Financial XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX Bank XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) Compass Equipment XXXX Transunion Please Remove the following account because it was fraudently applied for XXXX High balance {$3000.00} Opened XX/XX/year>, XXXX High Balance {$1700.00} Opened XX/XX/year> 2012
Consumer complaint received 2023-07-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX  XXXX account # XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-05-10
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. (GA)

I recently filed a dispute with the consumer reporting agencies, Equifax, XXXX, and XXXX, on an account that was inappropriately reported on my consumer report. 
During the dispute, the consumer reporting agencies listed below failed to notify me that the account would be reinserted in my consumer report as required by FCRA 611 ( a ) ( 5 ) ( A ) [ 15USC 1681FA ].

Account Name : XXXX XXXX XXXX XXXX / acct # XXXX XXXX : Result of Investigation : Updated XXXX {$1900.00} Equifax : Result of Investigation : Updated XXXX {$16000.00} XXXX : Result of Investigation : Updated XXXX {$1900.00} I demand that these inaccuracies be corrected immediately to ensure the accuracy and fairness of my credit report, as required by federal law.

This is a clear violation of the FCRA. On XX/XX/year>, the FACT Act law, 15 USC 1681a ( 2 ) ( B ), went into effect and states : ( B ) EXCLUSIONS. Except as provided in subparagraph ( C ), the term consumer report does not include ( i ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The above-referenced account is an authorization and approval of a specific extension of credit directly to me. As such, this account is not included in a consumer report.

The reporting of this in accurate account is a clear violation of the FCRA and has caused damages. I demand that you delete this account from my consumer report immediately.

Failure to respond appropriately to this final notice will result in legal action being taken against you for non-compliance with the Fair Credit Reporting Act ( 15 USC 1681 ).
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (FL)

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 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 2024-05-10
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. (IL)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-22
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. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-04-22
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. (CT)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-22
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: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-22
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: Experian Information Solutions Inc. (TX)

My Experian complaint was sent on XX/XX/2024 through the CFPB so the company certainly received my letter on this date. However, as of today, XX/XX/2024, I have yet to receive a response from Experian. This is well over the 30 day period. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers 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.

Per 15 USC 1681 c-2 and 15 USC 1681i ( a ) ( 5 ) ( B ), the company has also exceeded the 5 day period in which they should have notified the furnisher of the following information : 1 ) that the information reported may be a result of identity theft ; 2 ) that an identity theft report has been filed ; 3 ) that a block has been requested ; 4 ) the effective dates of the block ;
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

This account was charged off on the following date [ XXXXXXXX XXXX CHARGE-OFF STATUS ]. 
Since then, the account has repeatedly been updated as charge-off every month. 
This is an update on the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account : TransUnion : [ XXXX XXXX XXXX XXXX XXXXXXXX ]
Consumer complaint received 2024-05-10
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)

I, XXXX XXXX, hereby authorize Equifax reporting bureau to remove the specified fraudulent creditors and inquiries under the Fair Debt Collection Practices Act ( FDCPA ) and XXXX XXXX XXXX XXXX on my behalf. 

Dear Equifax Credit Bureau, I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB, I urge the bureaus to impartially address these inaccuracies. The unauthorized access by certain creditors necessitates the immediate deletion of the following : XXXX. Collections- XXXX XXXX ( originally XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  - XXXX ( auto loan opened fraudulently ) XXXX. XXXX XXXX XXXX {$6100.00} ( identity theft ) XXXX. XXXX Account # XXXX ( fraudulently opened ) Inquiries for removal : XXXX. XXXX XXXX, XXXX Company : XXXX Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX. XX/XX/XXXX Company : XXXX Address : XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX. XX/XX/XXXX Company : XXXX Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX. XX/XX/XXXX Company : XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ND XXXX XXXX. XX/XX/XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OR XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX As someone of XXXX identity, I seek fair and unbiased treatment in this matter. I await your prompt resolution in compliance with regulatory standards. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BankAmerica, in their client portal, suggested a credit card for rewards ; I applied on XX/XX/XXXXXXXX XXXX XXXX and they ran my credit with XXXX twice, again on XX/XX/XXXXXXXX XXXX XXXX  Then they mailed me and wanted personal documentation ; which is fine ; I sent them the required paperwork. I have several accounts with them. The issue is I authorized them to run my credit only once and not twice. I want them to remove this inquiry from my XXXX.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-04-22
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Over XXXX was taken from my account and I had to make claims because they kept missing out on everything and didnt want to give me my money back when my phone was stolen and someone had access to all my information
Consumer complaint received 2024-04-22
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)

I got an alert from experian on Monday XX/XX/XXXX that I have an over due payment of {$40.00} and balance of {$310.00} on a XXXX account. Please note that I do not have a XXXX account and never had one. It shows that the account was opened XX/XX/XXXX account name is XXXX, account number starts with XXXX, account type is credit card and monthly payment is {$51.00}. Due to the afore-mentioned fraud account my credit score went down by XXXX pts. I reported a fraud dispute with experian and is now reporting it to FTC.
Consumer complaint received 2024-04-22
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. (FL)

XXXX has violated my rights to privacy according to CFPB laws by allowing XXXX XXXX to attack my report with a fraudulent account that I am not responsible for. I refuse to pay or contact them to give them information that they dont have. Here is my correct ID and SS card for proof of ID AND Residence for more than XXXX please dont share this with anyone. I never signed a contract with XXXX XXXX nor XXXX FOR ANY DEBT.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing to formally lodge a complaint against XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). Account Name : XXXX XXXX Balance Owed : {$7200.00}
Consumer complaint received 2024-04-22
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.