davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed (NC)

I am writing to formally request your assistance in resolving an issue related to my credit report. Specifically, I have discovered that accounts that were previously deleted from my credit report have now reappeared. I believe this situation may constitute an error and is causing undue harm to my credit profile.

Details of the issue : 1. Deleted Accounts : The accounts in question were previously investigated and deleted from my credit report. This was confirmed by both the credit reporting agencies and the creditors involved. I have included copies of the original deletion notices for your reference. XXXX XXXX XXXX Reappearance of Accounts : Despite these deletions, the same accounts have recently reappeared on my credit report. This has negatively impacted my credit score and could potentially affect my financial standing. XXXX  ( I have no business with them ) 3. Credit Reporting Agencies : The accounts in question have reappeared on my credit reports with the following credit reporting agencies all of them. 

4. Impact on Credit Score : As a result of these erroneous entries, my credit score has suffered a decline. This situation is distressing and has caused me significant stress, especially considering the prior resolution. 

I request that the CFPB investigate this matter promptly. I am seeking to have these accounts permanently removed from my credit report, and for corrective measures to be taken to prevent such an issue from occurring in the future.
Consumer complaint received 2024-05-16
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. (NY)

This is my final notice before I pursue litigation against the consumer reporting agencies for multiple violations of my federal protected consumer rights. Please find attached the proof of claim that transactions and experiences were reported on my consumer report which is a violation because pursuant to 15 USC 1681a ( d ) 2 ( a ) ( i ) they are excluded from the report, subject to section 1681s-3. Despite multiple letters and disputes, the CRA 's continue to commit identity theft and fraud under federal law and fail to block the identified transactions pursuant 15 USC 1681c-2 ( a ). The unverifiable items listed on my consumer file are in complete violation because I never gave written consent which violates permissible purpose of consumer reports pursuant 15 USC 1681b ; And the fact that the furnished inaccurate accounts still remains on my consumer file violates 15 USC 1681e ( b ). The continued willful and negligent noncompliance has escalated my pursuit for justice and entitled declaratory relief sought from a higher court pursuant 15 USC 1681n and 15 USC 1681o. Again, the multiple violations that has occurred prompts me to exercise my right under the FCRA to XXXX out of reporting on my report. 
Please see attached supporting documents
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

An account was opened in my name with Bank of America without my permission. I did not apply for any application with this Bank to open any accounts with them. This is disturbing to know that banks are opening up accounts in people names without permission.
Consumer complaint received 2024-05-16
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. (NV)

cancel Date : XX/XX/2024 The original debt has been satified by XXXX and have no contractual agreement with XXXX XXXX XXXX that is reporting this debt on my consumer report. they are violating my rights
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: EQUIFAX, INC. (NY)

I received my credit report and notice that the XXXX  XXXX acct is reporting as closed with XXXX amt and then status as chargeoff. This is incorrect. Credit agency are not allowed to report information on my report without my authorization. Therefore i would like this acct deleted.
Consumer complaint received 2024-08-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc. (NC)

I am writing to formally dispute the charge-off on my CarMax Auto Finance account , referenced above, which shows a balance of {$13000.00} written off and {$13000.00} past due as of XX/XX/XXXX. 
Upon reviewing my credit report and account history, I believe there may be inaccuracies that need immediate attention. Please consider the following : Fair Credit Billing Act ( FCBA ) : As you are aware, the FCBA provides consumers with protection from billing errors on open-end credit accounts. I am requesting a thorough investigation to ensure that all charges on my account were accurate and in compliance with the law. If there are any discrepancies or errors, I request that they be corrected and the charge-off be removed from my credit report. 
Truth in Lending Act ( TILA ) : TILA requires lenders to provide clear and accurate information regarding the terms and conditions of the loan. I request verification that all disclosures were properly provided and that my account was managed in accordance with TILA requirements. Any violations should be rectified immediately, and the charge-off status should be reconsidered. 
Electronic Fund Transfer Act ( EFTA ) : If there were any electronic transactions associated with my account, I request verification that they were processed in compliance with EFTA. If any unauthorized transactions occurred, they should be reversed, and the charge-off should be removed from my account. 
Statute of Limitations in North Carolina : The statute of limitations for automotive debt in North Carolina is three years. As my account was charged off in XX/XX/XXXX, the debt may be time-barred as of XX/XX/XXXX. Please provide documentation proving the debt is still legally collectible. If you are unable to provide such proof, I request that you cease collection efforts and update the account status accordingly. 
In light of the above points, I kindly ask that you investigate this matter and provide me with written confirmation of the results of your investigation. If errors or discrepancies are found, I request that the charge-off be removed from my credit report and that you notify the credit bureaus of the correction. 
Please respond to this dispute within the legally required timeframe, as specified by the Fair Credit Reporting Act ( FCRA ). 
Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
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. (OH)

I recently reviewed my report and noticed XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and multiple inquires that I've never heard of nor had business with! The inquires are included in the Identity Theft Report
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX CLOSED ALL MY CARDS WITHOUT EXPLANATION OR VALID REASON. THEY ALSO STATE HERE ( ON CFPB WEBSITE ) THEY DO NOT RECOGNIZE ME AS A CUSTOMER. I CAN PROVIDE MY SOCIAL SECURITY NUMBER AND OTHER REQUIRED DOCUMENTATION TO PROVE THAT I AM STILL A CUSTOMER OF THIS BANK. 
I WOULD LIKE TO KNOW WHY THEY LIE TO ME AND I ALSO WOULD LIKE TO KNOW WHY MY CARDS HAVE BEEN CLOSED. 
I AM CONFIDENT THAT XXXX  XXXX BANK HAVE BUILT A BUSINESS MODEL IN ORDER TO MAXIMIZE PROFITS AND KEEP CUSTOMERS POOR AND BROKE.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc. (MA)

XXXX dated : XX/XX/24 Requesting payment amount of : {$XXXX} I am writing to formally file a complaint against XXXX XXXX XXXX XXXX due to their repeated and harassing phone calls, which have become an ongoing issue. I am unsure of the legitamacy of the debt collection as I tried working with the named creditor and was not made aware of account being transferred to this debt collector agency. 

They call every day and multiple times a day. Despite my requests for these calls to stop, I continue to receive them multiple times a day, including on my work phone. The calls are originating from different phone numbers, making it impossible for me to block them effectively. 

This relentless behavior has not only disrupted my personal and professional life but also caused significant stress. I consider this conduct to be a violation of my consumer rights and an unwarranted invasion of my privacy.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
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. (PA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 604A section 2 I have a right to privacy it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment under a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX "
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (MI)

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 XXXX, 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 immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-29
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: FC HoldCo LLC (AL)

The following inquiries are on my XXXX credit report, and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flagship credit acceptance XXXX Flagship credit acceptance XXXX
Consumer complaint received 2024-08-25
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. (NJ)

XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ( Auto ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXR ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX has charged off account ending # XXXX XXXX XXXX XXXX Charge-off. Write off of a debt and termination of servicing activity without release of liability. Internal Revenue Code states charge offs are reported as income to the principle, and is a cancellation of debt. This account is reporting as a debt when the debt has been written off. 

15 USC 1681 " 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 '' XXXX and XXXX have not complied with the opt out requests. 

12 CFR 1016.7 " A consumer may exercise the right to opt out at any time '' I have requested from XXXX and XXXX and EQUIFAX to opt out of that reporting nor was I given the proper disclosures to opt out. They are violating my rights by denial of opt out and non disclosure of opt out. 

XXXX the financial institution and EQUIFAX and XXXX, any and all consent, whethere non-verbal or verbal, written or implied or otherwise is revoked.
Consumer complaint received 2024-05-02
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: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-16
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)

Investigation of unauthorized inquiries While checking my credit report, I noticed an unauthorized inquiry had been made from XXXXXXXX XXXX XXXX XXXX  on XX/XX/year> I have tried to contact the concerned organization, that conducted the inquiries and asked them to remove credit inquiries from my credit profile. I have asked them to cease their illegal activities with immediate effect but with no results. Since I sent the letters more than 30 business days ago, they have failed to respond to and honor my request. I am forced to request your help in resolving this matter. By the Fair Credit Reporting Act, I request that you start an investigation into the matter. After the investigation is complete, if you find my allegations to be correct, please remove the unauthorized inquiries and send me a fresh copy of my credit report at my current address. If you find the inquiries referenced above to be correct, kindly send me a description of the operation used in your investigation within 15 business days of the completion of the re-investigation.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-01
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. (MI)

I pulled a copy of my credit report and noticed fraudulent accounts that were not authorized by me. Pursuant to 15 USC 1681B-2, 15 USC 1681A ( 4 ) and more specifically 15 USC 1681c-2 these fraudulent entries must be DELETED IMMEDIATELY due to idenity theft. Please DELETE the following fraudulent accounts : Accounts : 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 XXXXXXXX. PLEASE DELETE THESE FARUDULENT ACCOUNTS. SEE FTC COMNPLAINT ATTATCHED.

THESE FRAUDULENT ACCOUNTS MUST BE DELETED PER 15 USC 1681C-2.
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I'm only employed at : XXXX XXXX Please remove old numbers and address! 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.