davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- 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* 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive, and your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, 00Your company reported that I owe a debt, but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive.

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 under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave Your company any written consent to report anything on my consumer reports no consent is identity theft If the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above-mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 



XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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. (NY)

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that the reporting agencies didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kingston Data & Credit International Inc. (MD)

XXXX violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 1681b- 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 instructions of the consumer to whom it relates. I never gave XXXX any written instruction to furnish a consumer report. No consent is identity theft. 
A collection was put on my account from Kingston data and Credit and I do not and never had any affiliation with this company. 
Furthermore, XXXX violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. Fairness, impartiality and a respect for my right to privacy was not extended to me. You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. 

Personify- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. 

XXXX - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. 

XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. 

Capital One - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

Inaccurate payment history was reported by SBNASELFLNDR Account number XXXX. It all began when I requested a credit report and I SBNASELFLNDR that SBNASELFLNDR bank reported 30 days late on my credit report, I immediately called SBNASELFLNDR to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, SBNASELFLNDR the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, XXXX, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to SBNASELFLNDR bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my XXXX credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.
Consumer complaint received 2024-03-29
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. (NC)

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I travel from state to state for my business, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to Experian, XXXX, and XXXX. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Consumer complaint received 2024-03-28
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. (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 XXXX XXXX XXXX. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : 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 2024-03-29
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. (AL)

Hello CFPB, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute and contest the presence of several fraudulent accounts on my credit report. Upon careful review, it has become apparent that these accounts are not mine and have been erroneously included in my credit history. The gravity of this situation can not be understated, as these inaccuracies have the potential to significantly impact my financial standing and credibility. I have taken proactive steps to rectify this matter by contacting the respective companies associated with these fraudulent accounts. Through these communications, I have obtained assurances that these accounts will be promptly removed from my credit report with your bureau 's assistance. Furthermore, I have diligently followed the necessary procedures and submitted the required documentation to the Federal Trade Commission ( FTC ) to support my claim of identity theft and fraudulent activity. Please take off these accounts from my file : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Two separate issues : 1 ) Delinquent Payment Reflected For Debt Not Made Known to me : This debt was not notified to me by the government when I left service to the XXXX. This was paid as soon as knowledge of the outstanding amount was made known to me. This charge was never overdue and collections record should be removed. 

2 ) Federal Student Loan Consolidation Has Resulted In Outsized Reduction to Credit Score : Consolidated loans I have been carrying for over 10 years, with no additions, and this simple act has reduced my credit score, across reporting agencies, by XXXX XXXX XXXX These are the same loans, which have always been in a paid timely status, so I am shocked at the punitive negative impact inflicted by following Biden administration guidance to consolidate. Please investigate how these changes are justified and request adjustment to reflect actual risk adjustment incurred under IDR plan.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MA)

Hello, On XXXX XXXX I screens shotted from XXXXXXXX XXXX XXXX  a picture of a comedy show. He declined making fun and saying that he was not worth that much. The tickets were {$190.00} Keep in mind I " screnn shotted '' the event not clicking on the link AT ALL. 
The next day I received an email stating that the {$190.00} was used for these tickets, the transaction being done by my friend. He does NOT even have Venmo. I called him and told him what happened and so it begins. 
I contacted Venmo via phone and told them I DID NOt authorize this transaction and I would trust this friend with my life! They then put the money back temporarily two days later while they investigated. 
On XX/XX/XXXX, they got back to me DENYING my dispute. Thet stated that if I had any more information to back up my complaint to do so and the would be happy to take another look. 
I sent them EVERYTHING I had including pictures of the conversation starting with the screenshot of this event. 
They replied back on XX/XX/XXXX and denied it again for the second time. Again saying they would take another look and not to reply back to that email. 
Because I never authorized this transaction initially, I withdrew all of my money knowing they were going to take back what they gave. 
I tried opening a new account with new information because I do like Venmo for many reasons. But they somehow new it was me and eventually I made payments for the balance just so I could have this platform. 
Obviously I know I was hacked and think I have proof? The amount is different but on the same day it says that {$220.00} was a transaction against my account from someone in XXXX.I have never even been to XXXX! 
I did not want to stop there. I contacted the attorney generals office here in XXXX and they told me it was an FBI issue? I believe its the ICC which is internet crime complaint. Needless to say I never heard back so here I am still wondering where that money went with a negative resolution for me. 
In closing, I have all the documentation, names, numbers, transaction id 's and screenshots of this whole ordeal. I try to advocate for myslef the best way I can.I stopped because when I asked around, noone could help me until I contacted XXXX. 
I am hoping that you can help me resolve this issue. As a XXXX mom and a contributer to society, there has to be some justice when the situation calls for it. 

Thank you in advance!
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Investigate and make sure everything is correct, if not delete it from my credit report. Violation is misleading FDCPA Section 807. This agency is in violation of 15 USC 1692g. they were to notify my of this in writing 5 days prior and I was not. As the original creditor only I can validate this debt. I do not validate this debt. Inaccurate information is being published on my account XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-06-18
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: ENCORE CAPITAL GROUP INC. (GA)

Midland credit XXXX XXXX bank is stating that I owe XXXX this information is false XXXXXXXX XXXX XXXX XXXX XXXX XXXX is staying that I owe XXXX this information is false XXXX XXXX XXXX  is stating that I owed XXXX this information is false
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (WI)

According to FCRA 15 USC 1681 credit reporting agencies have to report 100 % fair timely and accurate information. I have since sent in correspondence to the bureaus to remove the inaccurate information and they fail to correct and error as well as remove any account they have yet to verify being mine all accounts are alleged, I have no knowledge of said of accounts and they cant verify anything yet they continue to report it. The dates aren't accurate the payments aren't the same, nothing matches up on my report with these alleged account. They need to be removed immediately.