davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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. (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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX, Acct # XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-15
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. (MN)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing this letter to dispute the following information on my credit report. I am writing to delete the following information on my credit file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make these charges to such accounts. I ask that these items that are inaccurate on all three reports be deleted from my credit file. I have enclosed copies of the Federal Trade Commission Identity Theft affidavit.
Consumer complaint received 2024-08-06
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)

I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is supposed to investigate the information of the consumer before the post information on a public record. If an account is not a court record, it is not public record. Therefore, no charge off or collection should ever be on a consumer report without the written consent of the consumer which it concerns. If a consumer reporting agency had done a proper investigation, they would have found NO written consent from the consumer at all. This is now my 3rd time addressing this matter. I need the account for XXXX XXXX removed from my consumer report promptly. This is a notice to go to arbitration next.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing a
nd willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-04-15
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. (CO)

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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

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 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 2024-04-12
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)

Violation of privacy act 1974 Discriminatory practices stopping me from extending my credit by placing adverse information in my credit profile unlawfully and violation of all corporations involved of their terms and agreements and company privacy act
Consumer complaint received 2024-04-12
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. (AR)

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 

XXXX XXXX XXXXXXXX {$5900.00} XXXX XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$260.00}
Consumer complaint received 2024-01-04
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)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-08-09
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)

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the XXXX XXXX XXXX XXXX to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible. I am unable to buy a house or do the things I want to do because of the fraud on my report. ITEMS IN NEED OF DELETION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-16
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: JPMORGAN CHASE & CO. (PR)

I was checking my XXXX credit report and I found a Hard Inquiry of CHASE CARD on XX/XX/2018. Just called them to ask about this since I haven't submitted any credit card application and they just told me to call XXXX. Called XXXX and they confirmed that CHASE CARD has my social security number and name correct but my address incorrect and that I need to call them again and explain this but they don't help me with this issue. I just need that Inquiry to be removed from my credit since I didn't submit anything to them neither ask for credit to them.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (NJ)

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 paty.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 2024-04-15
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. (SC)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (OK)

I need a higher credit score. I have been suggested by experian to take out credit cards to build my credit. I was paying for everything with cash until this credit program. Then was directed to put myself into debt, since then i have had several accounts such as car loan financed and paid off. Little to my knowledge of this program that all paid accounts drop off so no creditor can see all the accounts previously paid on. The only accounts that stay on are the ones that show you in debt, this makes it extremely difficult to navigate in your game of credit. I do not wish to stay in this debt situation not do i wish to play in your credit game. I have no other choice. My credit score has NOT moved no matter what i have done. Therefore, I find this deceiving and discriminative. I have been turned down for a place to live and have been turned down for employment because of your reporting. I have since lost my employment and have not been able to make payments on existing credit card balance. Because of this it is the only thing on my report, how do i escape this nightmare of a system. I am an XXXX person with little to no income and no previous payments reported with no other obligations does not do me any good with your program. I want a higher score like i deserve. I need assistance navigating around these perimeter 's that we are not able to speak with someone for answers. The way this is handled should be illegal. You are allowing reporting that is not verified. Noone asked me about having any of my information. Also, these so-called programs such as Boost offered by Experian is bogus. If there was legitimate assistance they would request info from the utility company 's not the consumers banking information. This is complete and utter violation of privacy
Consumer complaint received 2024-02-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (GA)

I received a loan from XXXX on XX/XX/2024. My 1st payment to them for the principle was due on XX/XX/2024. Instead of paying the initial principle, I paid the whole loan off ( a practice that I have done with this company at least twice prior ) and received confirmation for paying the loan off ( on XX/XX/2024 ). Today XX/XX/2024, I received a notice saying that I owed them {$210.00} ( appx ) for not paying the principle because they tried to take payment on the same day I already paid the loan in full. One of the service agents even tried to tell me that the installment payment was already slated on the XXXX, instead of the XXXX, even though the 2nd is when XXXX XXXX  was slated to take payment ( which didn't make sense at all to me considering they weren't supposed to do anything until the XXXX ). As it stands, I do not agree to what XXXX XXXX  is attempting to do, and would like protection from their tactics regarding this situation.
Consumer complaint received 2024-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$910.00} XXXX XXXX  XXXX BALANCE : {$560.00} XXXX XXXX XXXXXXXX BALANCE : {$1200.00} XXXXXXXX XXXX XXXX XXXX BALANCE : {$6900.00} XXXX XXXX BALANCE : {$700.00} XXXX XXXX XXXX NA XXXX BALANCE {$780.00} XXXX XXXX XXXX BALANCE : - XXXX XXXX XXXX XXXXXXXX XXXX : {$410.00} XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$890.00} XXXX XXXXXXXX BALANCE : {$1000.00} XXXX XXXXXXXX BALANCE : {$0.00} - XXXX XXXX XXXX XXXX : {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCE : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1200.00} XXXX XXXX XXXX & XXXX XXXX : {$140.00} XXXX XXXX XXXX XXXX  BALANCE : {$1200.00}.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TN)

Dear CFPB, I am writing to file a formal complaint against Wakefield and Associates regarding the placement of a collection on my credit report without proper notification and validation of the alleged debt. I am deeply concerned about the violations of my consumer rights by Wakefield and Associates and request your assistance in resolving this matter. 

Upon reviewing my credit report, I discovered that Wakefield and Associates have placed collections for account numbers XXXX, XXXX, and XXXX. To my knowledge, I have no record of these debts, and I did not receive any prior notification or opportunity to dispute this information. Therefore, I request that Wakefield and Associates provide me with the certified receipt containing my signature as proof of notification. 

Furthermore, Wakefield and Associates have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and have neglected to give me the opportunity to dispute the accounts in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This action is a clear violation of my consumer rights. 

I believe Wakefield and Associates have engaged in false, misleading, and deceptive practices by reporting this information without providing proper disclosures, as mandated by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). I request that Wakefield and Associates immediately cease reporting these accounts to the credit bureaus. 

In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Wakefield and Associates. Additionally, I request that the collection accounts associated with the aforementioned account numbers be removed from my credit report without delay. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any further information or documentation regarding this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX