davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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)

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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2018-05-22
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. (MN)

I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my Experian, XXXX and XXXX XXXX credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.
Consumer complaint received 2024-05-23
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Florida XXXX XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing this letter to dispute an inquiry on my Equifax Credit Report made by XXXX XXXX. On reviewing my credit report, I noticed that there was a hard inquiry made by XXXX XXXX on XX/XX/year>. I am not in possession of any new XXXX  XXXX cards and I have not applied for one, nor have I authorized anyone on my behalf to do so. 
The presence of this inquiry negatively impacts my credit score and it is crucial to ascertain how it occurred without my knowledge or consent. I am deeply concerned about my identity security and the possibility of unauthorized activity on my credit report. 
In accordance with the Fair Credit Reporting Act, I am reaching out to request an expedient removal of this erroneous inquiry from my report. Additionally, I request a complete investigation into this matter, and kindly ask that you provide me with any documents associated with this inquiry. 
I have attached copies of my credit report indicating the hard inquiry, and other pertinent documents to support my claim. I am hopeful that this matter will be rectified as soon as possible so as to maintain the integrity of my credit information and score. 
Upon completion of the dispute investigation, kindly send me an updated copy of my Equifax Credit Report so that I may verify the removal of the inquiry, along with written confirmation that the inaccurate information has been corrected. 
Thank you for your prompt attention to this matter. Should you require any further information, please feel free to contact me at via email at XXXX XXXX faithfully, XXXX XXXX XXXX
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

{$800.00} worth of items purchased with my Chase credit card was stolen off my real property by an unscrupulous contractor. I contacted the police and filed a police report and tried to file a claim under my credit card 'Purchase Protection ' but have been given the run-around by Chase . I was on the phone with their representatives for almost 90 minutes on XX/XX/2018, and after being transferred from department ( XXXX to XXXX ) to department ( XXXX to XXXX ) to department, ( XXXX to XXXX ) I  was told to file the claim online and the call was disconnected. When I attempted to file the claim online I kept getting an error message saying that there is a problem and I should contact the XXXX number to file the claim. I called the XXXX number to file the claim and was told to go online to file the claim. 

I have written Chase on numerous occasions about this issue to no avail.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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

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 XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-01
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. (GA)

Dear CFPB, I am writing to dispute an unauthorized trade line that has appeared on my credit reports from Experian, XXXX, and XXXX for an account with XXXX XXXX XXXX. I am a victim of identity theft, and this account listing is a result of fraudulent activity to which I am in no way a party. 

I have never opened or authorized any account or loan with XXXX XXXX XXXX. I have not signed any contracts or provided any personal information to this company whatsoever. This inaccurate account on my credit reports is clear evidence that my identity has been stolen and misused criminally. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from alleged identity theft - 15 U.S.C. 1681e ( b ) mandates credit bureaus maintain reasonable procedures to ensure maximum accuracy of credit report information - 15 U.S.C. 1681i requires credit bureaus to conduct reasonable investigations of disputed information As an identity theft victim, I have a legal right to have any inaccurate, fraudulent information absolutely removed from my credit reports so that I can begin recovering my credit standing and good name. 

I demand that the CFPB immediately investigate this unauthorized XXXX XXXX XXXX account, determine that it is illegitimate and bogus due to identity theft, and take all actions required to permanently block and suppress it from my credit reports across all bureaus within the statutorily mandated timeframes. 

Please provide me the results of your investigation along with supporting documentation within 5 business days as stipulated for identity theft disputes under the FCRA. Any failure to comply will be viewed as a willful violation of federal law, and I will have no alternative but to pursue legal remedies and statutory damages. 

Attached please find copies showing the identity theft affidavit. Thank you for your prompt assistance in resolving this serious matter.
Consumer complaint received 2024-05-07
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. (TX)

I am a victim of identity fraud. I previously viewed my consumer report with numerous of fraudulent inquiries. I had also filed a FTC report stating that the inquiries are fraudulent but there hasnt been no update since XXXX of 2024. With The Fair Credit Reporting Act 15 U.S.C it regulates the accuracy, fairness and privacy for the consumer. I had contacted all 3 bureau and still havent made any contact.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

Nelnet is reporting late payments up to 120 days past due from XXXX - XX/XX/XXXX as well as some in XXXX when my student loans were already transferred over to XXXX. XXXX has owned by student loan debt since XX/XX/XXXX and I have paid on time with them. I have disputed the late payments Nelnet claims are they were not my loan provider when reporting late payments and they will not remove them.
Consumer complaint received 2024-05-07
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  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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 2018-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 Capital One is reporting inquiries onnthese dates that I have no recognition of.
Consumer complaint received 2024-05-01
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. (FL)

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

I am writing to request that Experian takes immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I HAVE SEVERAL DIFFERNT ACCOUNTS THAT DOES XXXX BELONG TO ME ON MY CREDIT REPORT I HAVE SUMBITTED FTC REPORT AND DISPUTE LETTERS TOO EACH COMPANY AS WELL AS PROOF OF IDENITFACTION AND I NEVER HEARD ANYTHING BACKK ACCORDING TGO THE FCRA THESE UNVERIFED XXXX SHOULD BE REMOVED IF CANT BE VERIFED ALSO I HAVE ATTACHED MY ORIGINAL COMPLAINT WITH THIS AS WELL
Consumer complaint received 2024-05-01
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. (GA)

This is my second request. 

Please remove the following Inquiries of my report. 

XXXX XXXX XXXX ( XXXX Inquiries showing ) XXXXXXXX XXXX XXXXXXXX Also please remove all fraud alerts and statements.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I requested that the company Experian delete incorrect/inaccurate personal information from my consumer report on XX/XX/year>. I requested that the company send to the address given an updated copy of the corrected consumer report. I have not received anything from Experian and the information has not been investigated or removed- it is still reporting incorrectly on my consumer report as of XX/XX/year>.
Consumer complaint received 2024-05-07
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. (OH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX and TransUnion refuse to allow update of Consumer Statement to reflect XXXX and XXXXXXXX XXXX deceptive and fraudulent business practices. The account in question was deleted from XXXX. Arbitrary {$120.00} restock fee was imposed for a defective XXXX XXXX upon its return within the 14-day return policy time frame. I am not responsible for a defective phone, and the arbitrary {$120.00} restocking fee should be deleted from my other credit reports. The phone 's symptoms included overheating, running slowly, acted in unexpected ways, spiking data usage, poor battery performance, frequent pop-up ads of a phishing nature, and the apps crashed. XXXX apparently just wants to restock it to be sold to another unsuspecting customer. The phone was purchased on XXXX and returned on XXXX within the 14-day window given on the receipt.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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.

has violated my rights. Or a 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 2024-05-07
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. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-23
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. (WI)

Experian credit reports has copies. CFBP complaints l. Have already disputed accounts received. Letter. To removed these companies replaced them back shortly after XXXX my disputes what the reason for disputes is this a game Next level. I'm hiring attorney from veteran affair. Whom goin to request punitive damages. Due to continued denial. For credit. THIS FINAL COMPLAINT What the purpose for fraud Alert.? These credit bureau don't honor what purposes. to keep call center with Jobs? my credit report.has gotten worse after make payments on time payin them off. Credit rating hasn't never went above XXXX Experian has computer glinch. On my file .Soon it closes it finds. Any reason to increase my credit scores Seems has gotten worse through years Just to continue on going disputes .l have copied letters of Experian disputes.. 6 weeks. I get copies my credit report. Then received letters that these same accounts been deleted. Month. Later. These creditors be-in replaced back on my credit report after dispute. XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  was removed XXXX.. I copied report. Now been replaced. XXXXompany Name XXXX. Was deleted now replaced. Back on my credit .report, company name. XXXX XXXX.  Account.. Was paid off. never Been Late. I have copies letter. Letters show no late payments.. Sent copy to credit bureau my account. Credit scores. Have decreased. My. Inquiry. Has went. Up. I reported same complaint CFBP. XXXX.. Has. Gotten worse. Experian, XXXX, XXXX. Needs to have adit. FCRA needs to start penalize investigations credit bureaus. Due to they are not following rules guidelines. Allow these companies to fraud place incorrect information when suppose be immediately removed .after it has been granted. Deleted Credit bureau not suppose to replace this back on your credit report
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.