davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

The credit reporting bureaus XXXX XXXX and exp failed to delete innaccurate acct information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  created a new acct without my authorization added two years to the original deliquency. Intimidated me with threats of lawsuits as a XXXX citizen I am entitled to fair protection from abusive practices. I paid in settlement 6 credit balances in exchange for agreement to remove the negative reporting and the 2 collection accts I refuse to pay since I have no relationship to them and they add extra fees of close to {$2000.00}. This is an abuse under the regulations of fcra. 
Since the credit bureaus have not responded to my requests I would like to ask cfpb to help resolve this, I am unable to get a loan now which means no transportation. no employment and this makes unnecessary hardship to pay my property taxes and support my family thru school. Its very disheartening because I know there have been recent class actions against exp XXXX and XXXX as well as XXXX XXXX XXXX XXXX XXXX yet they persist in flagrant violations because of profits received at consumer expense and and somehow manage to pay huge litigation costs and settlements yet continue to flout the laws and regulations which provide equity to lowly consumers.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 t
hat the information is inaccurate.
Consumer complaint received 2024-05-10
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)

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-10
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
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. (NV)

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 Part of the fair credit reporting act 15 USC states consumer credit reporting agencies exercise their responsibility with fairness, impartiality, and a respect for consumers right to privacy. The credit bureaus are consumers reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared. Which is back by 15 USC 6801. It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information Those reporting agencies do not have my consent or my written consent. Any and all consent, whether verbal, non verbal, written, implied or otherwise is revoked. 15 USC 6802 states a financial institution may not disclose non public personal information to a non affiliated unless the consumer is given an explanation of how the can exercise that non disclosure option. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of alleged debt nor therefore any such debt, in fact exists. 15 USC 1692c ( c ) " That the Law clearly states '' If a Consumer notifies a Debt Collector in writing that the Consumer refuses to pay a debt The Debt Collector must Cease all Communication. According to 15 USC 1681 of the FCRA, consumer reporting agencies are required to obtain written consent from consumers before furnishing or obtaining their credit information. I have reviewed my credit report and identified instances where my credit information has been furnished or obtained without my explicit written consent. 

I hereby dispute the accuracy and legality of the credit information reported or obtained by [ Credit Bureau Name ] on the grounds that I never provided written consent for such actions. As per 15 USC 1681, I request that [ Credit Bureau Name ] investigate this matter promptly and remove any inaccurate, unauthorized, or improperly obtained information from my credit report. 

Enclosed with this letter are copies of documents supporting my identity and any relevant information related to the disputed credit items. I request that these documents be reviewed as part of the investigation process. 

Please provide me with a written response acknowledging the receipt of this dispute letter and the initiation of an investigation within the timeframe mandated by law. 

According to FCRA section 605b it is illegal to report information on my credit report without my permission. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back in XXXX I lived at an apartment complex moved out XXXX, end of XXXX lost my wallet, someone started opening cell phone accounts, credit card accounts, & more in my name. I contacted Capital one in XXXX or XX/XX/XXXX when I first found out about it they were suppose to close the card, they NEVER did. Had to get a police report, send in all kinds of forms, Identification & more. Now here it is XX/XX/XXXX and Capital One is reporting to the credit bureaus a fraudulent account that i AM NOT LIABLE for. When they was been suppose to closed it when I originally called around the first month it popped on my credit which is a month after the person received the card. Capital one fraudulently left the card account open & now are trying to make me responsible for something I didnt do, saying since there is no suspect listed on the police report then there is nothing they can do. XXXX, CA police department DO NOT go to people house and arrest them for identity theft. It could be anybody the wallet was lost in the club & the apartment was vacant. 
The amount is {$670.00} They affected my credit score and now I cant even find an apartment because my score is to low, now imma be homeless again!! I am not responsible for this account.
Consumer complaint received 2024-05-10
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. (PA)

I am lodging a formal complaint regarding discrepancies found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have resulted in considerable distress to me as a consumer. 
I am a XXXX XXXX American woman with a long standing professional background in XXXX. My career has taught me the significance of detail, accuracy, and ethical conduct principles that I find alarmingly compromised in my recent credit reports, prepared by XXXX, Equifax and XXXX Credit Agencies. 
According to 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. Finding there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I have found copious amounts of inaccuracies all throughout my credit report and each one is a violation. Not to mention, reporting transaction history is illegal. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not given written instructions or permission for XXXX, XXXX or Equifax to furnish my consumer report and this is a clear violation of the FCRA and an infringement of my consumer rights. 

15 USC 1666b addresses timing of payments and states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore all of my accounts should be PAID AS AGREED What amplifies my concern is the presence of inquires on my credit report that I am not aware of where they come from. P.L 90-321 ( 82 Stat. 146 ) which is law, law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) The repercussions of such inaccuracies and unauthorized information has been profoundly damaging. As a professional with aspirations for personal financial growth, these errors risk my access to credit, housing, and even employment opportunities. The XXXX and time consumed trying to rectify these issues are burdensome and exhausting.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SD)

On XX/XX/XXXX I applied for XXXX XXXX XXXX XXXX and was immediately denied due to information on my credit report. According to the Department of Education I have XXXX accounts Charged Off and others XXXX or More Days Delinquent. 
I immediately requested an appeal an pulled my Equifax credit report. 
I do not have any account in arrears for greater than XXXX days but I do have charge backs which by law, 15 U.S. Code 1679c - Disclosures, should have been removed from my account as they are over XXXX years old. XXXX of the accounts is XXXX years old. I submitted a complaint with Equifax and have not heard back. I need assistance with this urgent, time sensitive issue. I need to file my appeal as soon as possible. Loans need to be in place by XX/XX/XXXX as the new school semester starts in XXXX and the university must get paid for my XXXX daughters.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have noticed that XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 

XXXX XXXX is in violation of FCRA Section 602 Permissible Purposes Violation of FCRA Section 604 Written Instructions Violation of FCRA Section 605 ( a ) Reporting Outdated Debt Violation of FCRA Section 605 ( a ) Reporting Outdated Debt
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX, XXXX. : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
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)

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered fraudulent account that I did not initiate. 

account XXXX XXXX account number XXXX date opened XX/XX/year> balance XXXX XXXX This unauthorized account have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent account as it may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of this account has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. 
I demand immediate investigation and removal of this account from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious account in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary. 
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Consumer complaint received 2024-01-12
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Elevate Recoveries, LLC (FL)

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-10
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 am reaching out to address the discrepancies apparent in my credit report and to seek validation of specific debts listed therein. As a responsible consumer, I have consistently made payments on these accounts, albeit in minimum amounts, due to challenging circumstances. It's crucial to underscore that these minimal payments were not a result of negligence but rather a strategic approach to mitigate further damage to my credit report. I want to emphasize that these payments were made with the intention of safeguarding my credit score, and they do not imply any admission of liability for debts incurred fraudulently. The accounts in question, associated with XXXX  ( Account # XXXX ), XXXX  ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ), have been subject to these payments. Given these circumstances, I urge for the immediate removal of these inaccurate items from my credit report. Their presence not only undermines the integrity of my financial profile but also poses significant challenges in accessing future credit facilities. Therefore, I appeal to your understanding and authority to facilitate the removal of these erroneous entries from my credit report promptly.
Consumer complaint received 2024-05-10
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX  XXXX Total fraudulent amount : {$1300.00} XXXX XXXX  XXXX Total fraudulent amount : {$300.00} XXXX XXXX XXXX Total fraudulent amount : {$370.00} XXXX XXXX Total fraudulent amount : {$3800.00} XXXX XXXX  Total fraudulent amount : {$690.00} Attached is my FTC Police report, Driver license and social security to verify my claims and identity
Consumer complaint received 2024-05-10
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. (SC)

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  XXXX  : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


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.