davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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. (CA)

I called experian today ( XXXX, XXXX 2024 ). I dialed ( XXXX ) XXXX. I spoke to an agent on or around XXXX pm XXXX. I spoke to a female agent in the general dispute department. I asked to be transfered to the fraud department. She then asked if I want to add a security alert. I said no and expressed concerns about a security alert, and that I believe a security freeze is better. She responded " do you want me to hang up or transfer the call to fraud? '' It is inappropriate to ask a consumer " do you want me to hang up? '' That is unprofessional. I never used any profanity. I asked for her name and she refused to answer. 
She then put me on hold without my knowledge or permission. After XXXX ( XXXX ) minuets, she took me off hold, refused to give me her name and then transferred while I was still talking. I was then transferred to the fraud department and spoke to a male agent in XXXX XXXX on or around XXXX pm XXXX. After providing the agent my name, address, date of birth and social, he suddenly stopped talking and there was a long moment of silence. I kept saying " hello? ", " agent are you there? Hello? ", and there was no response. My phone was still connected to the call so I know my phone did not drop. This is unacceptable. I seek to hold experian accountable for its actions. 
Please sanction experian. See case complaint no. : XXXX In addition, I submitted this complaint with the BBB to make sure experian responds to this CFPB complaint with a meaningful response and not with a generic response. I also have all phone calls recorded as my evidence.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

XX/XX/XXXX A dispute has bee filed with each Credit Agency. XXXX, Experian and XXXX, Experian Business Credit. As well as my second complaint in the past 3 years with Consumer Financial Protection Bureau. I made submitted a dispute in XXXX and the account was removed from my reports and then a few months later placed back on my reports as well as my business credit reports. It has prevented me from obtaining funding for my business. Constantly accessing my credit without my consent. Reporting late payments currently on a closed account/ charge off that isn't mine. I was told by XXXX XXXX that the account was FRAUDULENT and they repossessed it that it would be removed from my credit report. I have requested bourdon of proof several times I was a victim of the of the XXXX XXXX breach as well as XXXX. XXXX XXXX saw that I tried to obtain a credit card which I was denied due to inaccurate/ fraudulent. XXXX XXXX XXXX  XXXX. How did they get my current information? They offered me a credit offer for a XXXX XXXX on XX/XX/XXXX. I declined the offer due to my not opening the account at all. They have sold the account to other Collection Agencies then report as if its a new account. These are the dates : XX/XX/XXXX I contacted XXXX XXXX after it was on my credit report. I disputed them 9 or more timesXXXX, XX/XX/XXXX after it had been placed on my business credit report, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until I wasn't allowed for a while until today.
Consumer complaint received 2024-05-26
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. (NY)

I looked at my credit report on XXXX XXXX XXXX and noticed Inquires, addresses and accounts that were revolving on my credit report that were fraudulently. I did try reaching out to the Credit Bureaus but was unsuccessful in getting the accounts deleted so I filed an identity theft complaint. 

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
Consumer complaint received 2024-05-27
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. (PA)

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 : Account name : XXXX XXXX  Account number XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX - XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Account number 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 1681 ( 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 2024-05-26
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have three small problems with the credit card billing for my purchases in XXXX, where I live off and on with my nonprofit, Bank of America is fully aware of my using one of their cards in XXXX, but they do not permit me to file small disputes on line. They insist on my calling them, after having been warned that I can not call from XXXX and that they should not call me to my XXXX phone number, because I can not talk to them on the phone BESIDES, THERE MUST BE A WRITTEN RECORDO OF the BofA customer abuse, The disputes are regarding the grocery purchases as XXXX XXXX XXXX XXXX XXXX XXXX XXXX One of them is for around {$6.00}, another around {$22.00}, and another {$2.00}. All are about not receiving all the products for which I had been charged respectively XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Yes, it happens sometimes in XXXX XXXX : ( And it is not possible here to resolve any problem here after the money/payment had been processes, And the Bank of America is not helping either their customers or the XXXXXXXX XXXX economy by making life miserable tfor their US customers in the XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.Why did you report on XX/XX/scrub>XXXX for ( {$760.00} ) According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. PLEASE Remove this Collection off my Credit Report Thank you.
Consumer complaint received 2024-06-14
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. (IL)

I am initiating a dispute and investigation as these accounts are wrongly listed on my credit file. Under the Fair Credit Report Act, I should get {$1000.00} per incorrect report. FCRA 605B obliges us to report any false accounts on a consumer 's credit report.
Consumer complaint received 2023-10-27
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I am disputing accounts with XXXX XXXX XXXX and XXXX XXXX because this account have been disputed before and have not been removed by XXXX or Equifax, but XXXX XXXX has removed both accounts as od XX/XX/2020 from my credit report and it is by law that each credit bureau is suppose to report the same accurate information across all bureaus.
Consumer complaint received 2024-05-26
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
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. (CO)

I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many.
Consumer complaint received 2024-05-26
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. (AZ)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

Today XX/XX/2020, my husband and I received a PayPal Prepaid Mastercard ( The XXXX  XXXX  ) via US mail for an individual unknown to us at the address where we have resided together for the last 5 yrs. Because we are the original owners of our unit, our concern is that this person may have a PayPal Account set up in his name and is unlawfully using our mailing address in his account profile. 
I attempted to contact PayPal directly about this today XX/XX/2020. A gentleman informed me that this would be a Mastercard issue, then transferred me to the automated system of XXXX where I spent the next 10 minutes trying to circumvent their system in order to speak to a live person, who told me he would need to transfer me to the Fraud dept. He assured me that he would be staying on the line to introduce my call and problem, but after several minutes an automated voice ended the call. So I called the CFPB phone number from the MasterCard brochure, and spoke to XXXX who suggested that I file this complaint online.
Consumer complaint received 2024-07-08
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. (NY)

On XX/XX/scrub> 2024, I initiated disputes with XXXX, XXXX, and Experian due to unauthorized accounts appearing on my credit report. Despite submitting these disputes, I have not yet received any response, and as a result, my credit score has failed to improve. This prolonged lack of resolution has led to a significant accumulation of debt as my credit applications have been repeatedly denied over the past five months. I am profoundly disappointed with all three credit reporting agencies for failing to comply with the law.
Consumer complaint received 2024-06-14
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. (NY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/XXXX
Consumer complaint received 2024-05-26
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. (IL)

On or about XXXX XXXX XXXX XXXX XXXX XXXX  received a cease-and-desist notice instructing them to immediately halt communication regarding the subject matter. This notice also explicitly outlined the only permissible ways for them to communicate with me about this purported debt. XXXX XXXX XXXX acknowledged receipt of this notice in their response to my XXXX complaint ( XXXX ) by stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XXXX XXXX XXXX XXXXXXXX has noted the file accordingly and taken precautions to prohibit any outbound collection activities on this account. No further contact with the consumer has been, nor will be made. However, the presence of a cease-and-desist notice does not preclude XXXX  continued credit reporting of this {$400.00} debt. '' Therefore, XXXX is knowingly choosing to ignore and violate the provisions of 15 USC 1692c ( c ) Ceasing communication. 

Federal law defines communication as : " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' This means that any act of sharing information about a debt, whether done directly or indirectly, using any means or method to convey that information to any person, constitutes communication. 

On XX/XX/2024, XXXX XXXX XXXX deleted their trade line from my XXXX consumer report. However, they continue to report their trade line on my Experian and XXXX consumer reports.
Consumer complaint received 2024-05-27
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)

No permission was given for these inquiries they have to be removed promptly. XXXX XXXX XXXX XXXX XXXX, Its wrong and needs to be removed because no permission was given. I need action taken to delete the reported issue. XXXX XXXX XXXX inquiry : Delete asap as no correct permission was granted. Investigate, purge the inquiry in questioned. I understand that I have the right, as a consumer, to dispute the accuracy of the information in my credit report, as provided by the Fair Credit Reporting Act. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Consumer complaint received 2024-05-27
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)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I request your assistance in resolving this matter.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX
Consumer complaint received 2024-05-27
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.