davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-09-21
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)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATIONXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( p

er se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 vi
olations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2024-07-08
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. (UT)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-15
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. (TN)

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 XXXX 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 informationisinaccurate.
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: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX Equifax : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Informed them of the following. 

Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal per 15 US Code 6802. 

The company has already paid off debt and I have not received the XXXX for the accounting. 

I would like to include security fraud as, As HOLDER IN DUE COURSE of the original contract I, XXXX XXXX XXXX by law are to receive at least 80 % of the interest collecting on the security from the first and second market. 

Fraud fee applies as well {$100000.00} ( see fee schedule )
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding inaccurate reporting of late payments on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). As a consumer, I am concerned about the negative impact this misinformation has on my creditworthiness and overall financial well-being. 

Account : XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX  XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX Upon reviewing my credit report, I discovered discrepancies in the reporting of late payments that do not align with my payment history. According to Section 611 of the FCRA, consumer reporting agencies must ensure the accuracy and completeness of the information provided in credit reports. The reported late payments are erroneous and misleading, significantly affecting my credit score and financial opportunities. 


I have previously contacted [ XXXX ] on [ XX/XX/2023 ] to dispute these inaccuracies. Despite my efforts, the incorrect information remains on my credit report, causing undue harm to my creditworthiness and financial reputation. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action in accordance with the FCRA. I also ask that all inaccurate information related to the late payments be removed or corrected from my credit report. 


I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report and protects my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MI)

I apologize for having to reach out to you but I have encountered a problem that I was unable to resolve through your normal customer service channels. Moments ago I hung up from a four hour long phone call with one of your agents who was unwilling to assist me. She made it very clear that she could help me but did not feel my concerns were worthy of Chase 's consideration beyond telling me to book directly with the airline or to select a different flight. Considering the circumstances of the situation, I can not believe that a company operating in good faith would view my request as anything but reasonable and would take the appropriate steps to remedy my concerns. I am sure you and your team deal with incredibly complex and nuanced problems but my issue is very simple. I am trying to book this flight itinerary from the Chase Travel website : XXXX XXXX XXXX When presented with this information your agent confirmed what the Chase Travel Website was ( and still is ) offering but she was unable to book this itinerary. When she attempted to use your internal tools to book the flight she was also unable and presented me with alternative options which were roughly {$720.00} more expensive. When questioned about why the Chase Travel website was displaying something that Chase is unable to fulfill she proceeded to have the most illogical, circular, contradictory, and oftentimes confusing position as to why this is permissible and of no concern whatsoever to Chase. Not only does this itinerary still present from the Chase Travel site, each leg of the trip at the fare class advertised is available directly from the airlines. I would take her up on her suggestion to not use Chase and book directly with the airlines at the same cost but I would prefer to use my XXXX Ultimate Rewards points for this trip. 

I do not believe my request is unreasonable - I simply want to use my points to book the flights that are displayed and take my wife to XXXX XXXX for our XXXX. Flights that are advertised directly on Chase and are confirmed available from the airlines at the exact same pricing.

If you ultimately feel my request is unreasonable or if you feel that some subsection buried deep in some travel disclosures document means that this is not something Chase is interested in considering I will take your response, or the response of your team, as final and book directly with the airlines. 

I appreciate your consideration on this matter.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$230000.00} ) has never been my mortgage servicer. I have never had a contract of any kind with this servicing company. They are unable to send me anything bearing either an electronic or wet ink signature. They do not bill me nor do they send written or electronic correspondence. However they just continue to report adversely onto to my credit by way of XXXX and Equifax from what I am able to see, and this XXXX reporting has just been placed there since approximately XXXX. 

Then there is XXXX XXXXXXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$220000.00} ) ; same scenario as aforementioned. As the consumer, I have never received any form of correspondence of any kind from this company, nor have I ever established a relationship with this company. They are unable to send me anything bearing either an electronic or wet ink signature as well. Currently, they are reporting adversely onto all bureaus.
Consumer complaint received 2024-06-15
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. (MO)

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 XXXX 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 informationisinaccurate.
Consumer complaint received 2023-10-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I paid my Kohls charge of {$72.00} one day late on XX/XX/XXXX ( was due XX/XX/XXXX ). Kohls charged late fee of {$29.00} so next payment was {$100.00} due XX/XX/XXXX. I called to ask if they could remove the late charge since it was only 1 day late, and they said they could. So I paid my usual monthly charge of {$72.00}, assuming the late fee had been removed from my XX/XX/XXXX amount due. 
Received my bill for XX/XX/XXXX, which said i owed {$140.00}, for $ XXXX  monthly payment, plus XXXX late fees- {$29.00} and {$40.00} for second late fee. I called to ask what happened, spoke with rep who said the late fee isn't removed from the current payment due, which is how every other credit card i know of does it, but instead they take it off your " balance. '' So they said i had still owed the {$29.00} late fee when i made the XX/XX/XXXX payment. And because i hadn't payed the " total amount due '' of {$100.00}, they added another late fee of {$40.00} so I now owed {$140.00}. I asked to speak with a manager, the rep assured me he could help, and i had to ask 3x before he put me on hold. Then i was cut off. This was a few days prior to XX/XX/XXXX. 
I looked up Kohls late policy online, and they do not describe how if a late fee is removed, you still have to pay it and it's taken off your total balance. I left a message asking for a copy of their late fee policy to be sent to me, never received it. I called back on XX/XX/XXXX, talked with rep who again told me I owed all these late fees, i asked to speak to a manager, but after answering a few questions he said ok and hung up. I called back again, asked immediately to speak to a manager, was dissuaded by rep who assured me he could help me. He told me the same info about owing the late fees, i explained my side, he told me if i paid the {$29.00} late fee that would bring my account " current '' and he could then help me. So i paid the {$29.00} late fee, and he told me i still owed the {$72.00} + {$40.00} late fee. I asked to speak to a manager again, he put me on hold and then said that no manager was available but he understood my frustration and if i paid the {$72.00} he could wipe out the {$40.00} late fee. So I paid {$80.00}, and he assured me that took care of all that was due and my next months payment would be just {$72.00}. 
But now I received my bill due XX/XX/XXXX and it's showing that I owe {$140.00}, and it shows they refunded me {$20.00} but it should have been {$29.00}. And they're charging me another {$40.00} late fee although i was not late on my payment, and I'm not sure why i owe {$140.00} as my monthly charge of {$72.00} + {$40.00} ( which i shouldn't owe anyways ) would only equal {$110.00}. To be clear, i haven't bought anything with my kohls card, i've just been trying to pay it off, making my monthly payment every month, which is {$72.00}.
Consumer complaint received 2024-08-07
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. (WI)

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 XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2023-12-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. HYUNDAI CAPITAL AMERIC XXXX.
Consumer complaint received 2023-11-08
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)

I went to XXXX fed to process my XXXX. This XXXXXXXX XXXX collection for {$85.00} pops up. I go to XXXX. to see where the collection came from. MY current account is a different number and active. XXXX can not find the account in their system. My XXXX  account is active today. I disputed this XXXX  days ago. XXXX XXXX XXXX conclude that the {$85.00} dollar is fraud & deleted it. Equifax did not. So I called in to ask them what happen with my dispute with my ID and XXXX and bill. The representative from Equifax tells me to send in a copy of my ID and XXXX card they can not find it. I have sent in an with my dispute. She said the only way that I can get this XXXX  account removed would be to send in my ID and XXXX & bill to Equifax Information Systems LLC po box address they do not accept fax of uploaded documents. Red Flag XXXX The fraud agent could not find my ID nor XXXX cards copies I sent in with my dispute in XXXX XXXX. 
I am very concerned because I have business credit with them also that has discrepancies and will not report my payments to XXXX ....?? Please help me I need this account removed and a copy of my credit report and business credit report for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MCS CLAIMS SERVICES, INC (NJ)

I received a letter dated on XX/XX/year> from MCS Claim Services INC about a medical bill that has now gone into collections from XXXX for {$1000.00}. I sent a letter through certified mail on XX/XX/year> requesting information regarding the debt, validating that it is mine as I am currently on a debt repayment plan with XXXX paying roughly {$400.00} every month. The mail was tracked and delivered on XX/XX/year> with confirmation from XXXX to the address found on their letter. They did not respond to me for almost 3 months. When they did respond on XX/XX/year> they did not verify that this debt was mine, instead they sent me a letter attempting to collect the debt saying that I confirmed to promise to pay the debt when I never did.