davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (FL)

I am filing this complaint to ensure that the credit bureaus conduct a thorough investigation and promptly remove fraudulent accounts that were opened in my name without my consent. These accounts, confirmed as fraudulent under FTC Report XXXX XXXX, continue to be inaccurately reported on my credit file, despite my repeated requests for their deletion. 

I have formally notified the credit bureaus ( XXXX, Experian, and XXXX ) and provided the necessary documentation, but they have not fulfilled their obligation to remove these accounts as required by the Fair Credit Reporting Act ( FCRA ). Given the known issues with credit bureaus often disregarding disputes unless sent via certified mail, I am filing this CFPB complaint to ensure a fair and lawful resolution. 

Fraudulent Accounts : XXXX  XXXX XXXX, Account Number : XXXX, Balance Owed : {$290.00} XXXX XXXX, Account Number : XXXX, Balance Owed : {$23000.00} XXXX XXXX XXXX, Account Number : XXXX, Balance Owed : {$6400.00} XXXX  XXXX XXXX, Account Number : XXXX, Balance Owed : {$2900.00} I am requesting CFPBs intervention to ensure that the credit bureaus comply with FCRA guidelines and remove these fraudulent accounts from my credit report, safeguarding my creditworthiness and financial integrity.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible. SEE ATTACHED
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-18
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. (AZ)

I value your assistance in removing a portion of the data in my credit file that resulted from fraud. I have accounts that need to be taken out. According to FCRA Section 605, you are required to remove any records listed in an ID THEFT REPORT # XXXX. I have already included this report in a previous letter, and I am including it again. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any continued non-compliance. Please address the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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. (MD)

Dear Consumer Financial Protection Bureau, I am writing to follow up on three previous complaints I have filed against Experian and XXXX regarding their failure to provide details of their method of verification of disputed public record items on my existing credit reports. 

Despite my repeated requests, both Experian and XXXX have refused to disclose the specific details of their verification process for disputed items on my credit reports. These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to request verification of items on their credit reports and mandates that credit reporting agencies disclose the specific method used to verify disputed items upon request. Both Experian and XXXX simply respond that they use XXXX parties, refusing to disclose the source which is sharing my personal and private information. 

I have requested Experian and XXXX to provide details of their method of verification for these items on three separate occasions, but they have consistently refused to do so.

This refusal to comply with my lawful requests is a clear violation of the FCRA and denies me my rights as a consumer to ensure the accuracy and completeness of my credit reports. Without knowing the specific details of the verification process, I am unable to effectively dispute any inaccuracies or errors in the information reported by Experian and XXXX. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against Experian and XXXX for their failure to comply with the FCRA. Additionally, I request that Experian and XXXX be required to provide the details of their method of verification for the disputed items on my credit reports, as mandated by law. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights of consumers under the FCRA. 

The previous complaint numbers are as follows : XXXX Filed on XX/XX/24 XXXX Filed on XX/XX/24 XXXX Filed on XX/XX/24 The CFPB 's primary responsibility is to protect consumers in the financial marketplace by promoting fairness, transparency, and accountability among financial institutions and service providers. Merely allowing a credit reporting agency to give a simple response to complex complaint and closing said complaint is not doing that. I ask that the CFPB enforce 15 U.S.C. 1601 in full.
Consumer complaint received 2024-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NJ)

Yes One Main Financial is misleading pre-qualification and their ad is making it seem that you approved of the loan it is very tricky and misleading and also I didn't know it was going to affect my credit score to do a pre-qualification usually is a soft pool of anything but why is there two inquiries it should have only be one but I see that two was put up there and I did not give information for my full credit score to be pulled
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-25
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)

I HAVE BEEN AFFECTED BY THE XXXXXXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 2024-10-25
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. (NC)

Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX in XX/XX/XXXX XXXX I have contacted XXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. " 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. Below, I have attached an accurate credit report from XXXX XXXX XXXX of all three bureaus reporting inaccurately. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-05-18
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$130000.00}
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Under FCRA 605B, it's required to remove any inaccurate accounts from my credit report. This account has been reported inaccurately, and I request its removal. I should receive {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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. (DE)

I am certain that I always pay on time. What I can not comprehend is why this company is marking me late for specific months, which is incorrect. According to USC 1666b, billing errors should be corrected, or the company will owe me {$1000.00} per account for inaccurate reporting.
Consumer complaint received 2024-10-25
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. (NJ)

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/year> I purchased gift cards I never inspected them to see if they had been unsealed or tampered with but when I got ready to use the gift card I checked the balance and they all were showing a XXXX balance that they had been used at a merchant Im unfamiliar with I didnt authorize the transaction I reached out to American Express who advised me that they will deny claim without proper reasoning, I shouldnt be held responsible for fraudulent transactions
Consumer complaint received 2024-10-25
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)

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Consumer complaint received 2024-04-25
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)

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.

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 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/XXXX  and I noticed that this Inquiries had been made
Consumer complaint received 2024-05-18
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. (CA)

The following is a copy of a letter I sent to Experian via certified mail. 


XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Hello, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

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 Please remove all non account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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. (IN)

Dear Equifax, XXXX XXXX XXXX, I sent documents to get these unauthorized hard inquiries that are still listed on my credit file. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under the FCRA law, 15 USC 1681a ( 4 ), a " hard inquiry '' or " hard pull '' is defined as any adverse action as defined in section 1681m ( a ) of this title taken by a person based in whole or in part on a consumer report. '' These hard inquiries were made without my knowledge or consent, and do not reflect any applications or requests I have made. As such, they are considered unauthorized hard inquiries under the FCRA. Pursuant to 15 USC 1681i, I am requesting the immediate removal of these hard inquiries from my credit file. Failure to do so would be a violation of my rights of the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX