davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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: DISCOVER BANK (NC)

In XXXX of this year, I made a dispute with XXXX about my discover credit card since my increased limit did not reflect on my report. Instead of reflecting the correct limit, discover deleted the account off of my XXXX credit report. I've tried to get this resolved 3 separate things or an explanation for why this happened. I still use this card and have an open account. Also, discover still reports to the other 2 agencies.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is one of several attempts to inform XXXX credit bureaus that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The records I'm questioning are related to no transactions involving the acquisition of products, services, or money that I initiated or authorized. Assuming no one cares, erase any information in my credit report that is the result of alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-29
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: CITIBANK, N.A. (CA)

I made an online booking using my credit card for traveling. on Sat, XXXXXXXX XXXX XXXX XXXXXXXX I went on CitiTravel.com and used my points ( XXXX points ) to book a 2-week stay from XX/XX/year> - XX/XX/year> When I arrived at my hotel, the booking was inaccurate. I specified a Deluxe Suite for my stay but on the hotel 's booking confirmation, it showed as a standard queen room which is not what I booked. 

I showed them my confirmation and it was very odd that whatever I booked did not show on the hotel 's confirmation. Nevertheless, I could not stay in that room and immediately booked another hotel in person. 

This will all be resolved once I contacted the Citi Travel Department, who assured me that this would all be resolved. One year later with all my follow-up and evidence of incorrect confirmations, I still don't have my XXXX points or cash equivalent refunded to me. 

After countless amount of times that I reached out not one representative of CitiTravel told me to file a complaint and I had to be referred to CFPB by an attorney that is handling a case against CitiBank for other matters.
Consumer complaint received 2024-06-05
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. (HI)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MI)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-31
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. (FL)

I am now requesting proof of the previous investigation. ( XXXX XXXX ) XXXX asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was 30 days late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) concerning the verification of bankruptcies in the public records section of my credit report. Despite my requests, TransUnion has failed to provide adequate information regarding their method of verification, as required by the FCRA.

Additionally, I have obtained a letter directly from the US Bankruptcy Court confirming that they do not report information to credit reporting agencies and do not verify such information. This directly contradicts TransUnion 's claim of verification and raises serious concerns about the accuracy and legality of the information they are reporting.

The FCRA, specifically under Section 611 ( a ) ( 7 ), mandates that credit reporting agencies ( CRAs ) must disclose the method of verification used for any disputed items on a consumer 's credit report. Failure to provide this information is grounds for the immediate removal of disputed items.

I have made repeated attempts to resolve this matter with TransUnion, requesting detailed information on their verification process. However, they have consistently refused to disclose this critical information, which is essential for me to verify the accuracy of the reported bankruptcies.

Attached to this complaint, you will find a copy of the letter from the US Bankruptcy Court confirming their non-reporting and non-verification policy.

I respectfully request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate enforcement action against TransUnion for their non-compliance with FCRA regulations. Specifically, I request the prompt removal of the inaccurate bankruptcy information from my credit report and assurances that TransUnion will adhere to FCRA standards in the future. 

Thank you for your attention to this matter. Please do not hesitate to contact me at the above phone number or email address if you require any additional information or documentation.
Consumer complaint received 2024-06-04
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)

Compensation is sought in this complaint. Consumer reporting agencies are required to follow reasonable procedures to ensure credit reports are as accurate as possible under 15 USC 1681e ( b ). 
Complaint filed under CFPB XXXX was filed on XX/XX/XXXX, against Equifax due XXXX a tirade of inaccurate information on my credit bureau XXXX XXXX to have been done intentionally, by Equifax, XXXX, and XXXX. 
On XX/XX/XXXX, Equifax went into my credit report and begun making numerous changes to the report. 
XXXX XXXX XXXX XXXX XXXX XXXX  was reporting accurately, Equifax intentionally went into my report and changed the history to XXXX days late for XX/XX/XXXX. 
In XXXX XXXX XXXX Bank was found guilty of violating the Military Lending Act XXXX XXXX XXXX. Their interest rate far exceeded the XXXXXXXX XXXX XXXX the CFPB forwarded the complaint to the FDIC in which XXXX XXXXXXXX XXXX  voided the account as the law requires. 
Countless disputes went to all three CRA numerous times, in which all began reporting the account XXXX days late, every time I disputed the information, the XXXX day late payment would change to a different month at times Equifax would report the account XXXX  days late. 
About a month ago I wrote the CEO of XXXX XXXX bank and she change the history to reflect correctly. as current Immediately after I filed the complaint on Equifax they retaliated and changed the account to reflect XXXX  days late again. XXXX then began changing numerous accounts around within my report and did the exact same thing and changed the information. 
I called XXXX and they assured me they did not change the information, not only did I get the notification that they did but I look on Equifax website and the information was changed. The representative told me to hold on as I repeatedly ask for an explanation, and she rudely left me holding the phone. 

See Exhibit No XXXX the attached XXXX reported the account was fixed in XXXX See Exhibit No XXXX XXXX XXXXXXXX XXXX  letter admitting they were in violation of the XXXX See Exhibit No XXXX Equifax was reporting correctly as the bank had already corrected the account See Exhibit No XXXX Equifax retaliated and changed the information to show erroneously late. 
Additional violations reporting by Equifax on this account Violation No XXXX Account type blank Violation No. XXXX Account reporting Open when the account is closed Violation No XXXX Date Open is incorrect Violation No XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

These are the fraudulent accounts on my report : 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (CA)

Hi. I was a victim of an armed robbery and assault on XX/XX/XXXX. The incident followed a series of fraud in using my credit cards and accounts, including my US Bank cards. I received a text notification the same day ( screenshot attached ) of a fraud attempt. A police report has been filed and a detective was assigned. The case has since been closed despite my efforts compiling information, so I am trying to reopen then case with your assistance in gathering additional transactional information. A few days after the incident, I had called US Bank and was able to gather the following information on a transaction from one of my cards : XXXX XXXX XXXX XXXX, Merchant Number : XXXX. The detective was able to get in contact with the vendor to review camera footage, but not much has come out of that. I did email the fraud team ( XXXX ) this XXXX XXXX, XXXX regarding a request for additional information, but have not received a response since. In a related complaint with another credit card company, I also received a text notification and requested transaction information. In doing that, I was able to uncover a number of additional transactions that did not appear on my statements. So, I am hoping I can request all credit card transactions from XX/XX/XXXX and shortly after, especially if there were transactions that did not appear on my statements. I've also included an FTC report with information on the person who was with me. The listed address in that document matched a transaction on my other credit card transaction report, so this information is likely to reappear should US Bank have additional transactional information.
Consumer complaint received 2023-10-27
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. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DE)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-03-21
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. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 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
Consumer complaint received 2023-08-28
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. (GA)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

A while back I signed up for an online Experian account for credit monitoring purposes. However, after some time, my account was stolen by an unauthorized person. Passwords and usernames were changed, while this user had access to my account. This has been resolved, but because reaching a person for this matter was so difficult, I had also requested to have this account deleted and the ability to sign in to this account online to be removed. 

However, I had come to find that the only thing that was cancelled was by monitoring subscription. I now have a " basic membership. '' I have called multiple times to get the entire account, membership and any online access to be deleted/removed. Each time they have told me they will submit a request, or that I must mail a request. I have mailed a letter to them with no results as well. 

I am submitting this complaint due to the lack of response, and also no ability of my own, over the phone or online, to delete my online account or any basic membership.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$540.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My accounts was never late i had exceptional payment with history with XXXX  XXXX and all payments were placed on autopay. this late payment that is reporting is a result on a systematic error processing my payment. 

this was clearly a billing error made by 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!