davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Equifax experienced a data breach and placed a fraud indicator on my both my credit nd rental screening file as a result. I did not request this block on my file nor did I expect a breach on their end to affect my ability to obtain access to my credit file. For XXXX years, I have been attempting unsuccessfully to obtain my Equifax credit report and have called XXXX  times to resolve the issue. Each time, I am given varying information regarding the issue, the rep claims to fix the issue, nd I still incur the same denial of access to my credit file. It has also affected my ability to obtain rentals due to there being no access for property managers to access my file. The last rep I spoke with claimed the fraud indicator had been lifted and to wait XXXX hours to access it. It has now been a week and the issue is still there.
Consumer complaint received 2024-05-29
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. (GA)

Despite submitting all required documentation and meticulously adhering to established procedures, it remains extremely troubling that this issue continues unresolved. This ongoing problem not only causes me considerable inconvenience but also erodes my trust in your organization 's ability to handle such matters efficiently and competently. It is unacceptable that, despite numerous efforts, the late open accounts are still unaddressed, which casts doubt on the accuracy and reliability of your record-keeping. I strongly urge you to treat this issue with the highest level of urgency and take immediate action to rectify the late open account entries in my record. Additionally, I expect regular updates on the progress being made in resolving this issue and seek just compensation for any damages or losses suffered due to this enduring mistake. I am thus requesting your help to correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$360000.00}
Consumer complaint received 2024-05-29
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. (GA)

I am sending this complaint to express my deep frustration and disappointment regarding the ongoing issue with removing fraudulent items from my record, despite multiple attempts to resolve the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply troubling that the issue remains unresolved. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred due to this persistent error. With this, I am requesting your assistance to remove these fraudulent items from my credit file : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09
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. (MA)

These are not my accounts accounts where opened fraudulently. I have know knowledge of accounts that are being reported on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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. (CA)

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. While checking my credit report, I noticed account, I did not authorize was made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security XXXX. 
I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FROUDULENT COLLECTION ACCOUNT! 
XXXX XXXX Balance : {$1000.00} Balance updated : XX/XX/XXXX Original balance : {$1000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX updated : XX/XX/XXXX 2018
Consumer complaint received 2024-07-12
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. (WI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-29
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)

Per the Fair Credit Report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A also states I have a right to privacy.

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 2024-07-10
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. (IL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-29
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. (IL)

These account is showing inaccurate information. 15 us 1681b and 15 us 1681e accordingly to fcra these law was in place. These account are showing improper information that not right. One bureaus is showing 30 day late payment XXXX  and 60 day late payment XXXX  and 90 day late payment XXXX. And the other bureau is showing XXXX XXXX XXXX. These all inaccurate information please delete harming me from getting house for my family.
Consumer complaint received 2024-05-29
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. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-30
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Due to Identity Theft To Whom It May Concern, I am writing to dispute certain inaccurate information that appears on my credit report. The information listed below is the result of identity theft, and I request that it be removed under the guidelines of 15 U.S. Code 1681c-2, which provides for the blocking of information resulting from identity theft. 

Disputed Information : Account Name : XXXX XXXX  Type of Information : [ e.g., fraudulent account, incorrect charges ] Date of First Reported Fraud : XXXX Amount : {$3500.00} According to 15 U.S. Code 1681c-2, upon receipt of an identity theft report from the consumer, credit reporting agencies are required to block the reporting of information that is identified as being a result of identity theft within four business days. I am requesting that you immediately block and remove the above-listed information from my credit report and cease reporting this information to other parties. 

Enclosed, please find copies of the following documents to support my claim : A copy of my identity theft report. 
A copy of my driver 's license or other government-issued identification to verify my identity. 

Please investigate this matter and remove the fraudulent information from my credit report as soon as possible. I would appreciate a confirmation of receipt of this letter, as well as notification when the information has been removed. In addition, please provide me with a free copy of my updated credit report reflecting these changes. 

Thank you for your prompt attention to this matter. Should you need any further information or documentation, please do not hesitate to contact me.
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Customer Service Misleading Info Citizen Bank XXXX MA / Customer Service Misleading Info XXXX XXXX XXXX XXXX I recently opened a bank account and I am awaiting to deposit my retro lump sum in my account. However a one time {$7.00} overdraft is costing me hundreds of dollar now to oay bank. 
I was told when I opened this account there is a one time fee of {$35.00}. per month. 
My accouny is charged {$35.00}. every three days. How can I pay this when I am being charged all these overdraft fees???? 
I am pending my XXXX and I have no income. I am trying every week to deposit funds but the overdrafts is excessive. 
PLEASE CONTACT ME BEFORE I GO TO, XXXX, FDIC, FEDS AND CONGRESS. I am  kindly reaching out firstly for assistance. 
Thank You. 
XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Dispusted and called company in XXXX account was closed but still on credit report. This is inaacurate. I tried disputing with experian but they have done nothing to help. I have reported ID theft already. See my other complaints with other companies
Consumer complaint received 2024-08-30
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. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your help to correct the account immediately : XXXX XXXX XX/XX/XXXXXXXX Balance : {$7300.00}.
Consumer complaint received 2024-05-29
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. (NJ)

Dear Experian, You are in Violation of the Law. YOU ARE WILLFULLY NON-COMPLIANT. I AM A FEDERALLY PROTECTED CONSUMER AND I RESERVE THE RIGHT TO PRIVACY. YOU HAVE A GRAVE RESPONSIBILITY TO UPHOLD THIS! YOU MUST RESPECT MY RIGHT TO PRIVACY. I UNDERSTAND THAT YOU ASSUMED A ROLE IN ASSIMILATING INFORMATION ON ME A FEDERALLY PROTECTED CONSUMER!!! XXXXIN ADDITION, I DO NOT CONSENT TO YOUR E-OSCAR VERIFICATION*** Pursuant to 15 US 1681a ( 2 ) you can not report any information solely as to Transactions or experiences between the consumer and the person make the report. I am the consumer and Person is the cooperation. You have reported a collection, Derogatory and a Charge off on my consumer report. Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. Collections, Derogatory and Charge off are Transactions by definition so this a clear violation of the LAW. Pursuant to 15 U.S.C. 1681 Congressional Findings and statement of Purpose ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibility with fairness, impartiality and a respect to the consumer right to PRIVACY. You have violated my privacy and you didnt exercise your Grave responsibly prior to adding these items to my Credit Report. YOU MUST RESPECT MY RIGHT TO PRIVACY or you will be liable for Financial Damages this have cause me. YOU NEVER HAD MY PERMISSION TO REPORT THESE THING ON MY CONSUMER REPORT WHICH NOW IS NOW CONSIDERED FRAUD!!!
Consumer complaint received 2024-05-29
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. (PA)

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 2024-05-29
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. (NY)

I am sending this complaint to demand the immediate removal of fraudulent information from my credit report. The following accounts were fraudulently opened in my name without my authorization, and its presence on my report is damaging my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts are NOT mine. I have been a victim of identity theft, and I did not open these accounts. I demand that these fraudulent items be removed from my credit report immediately.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX .... & XXXX XXXX XXXX XXXX ....
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ONCE AGAIN CFPB DO YOU EVEN READ MY COMPLAINTS OVER THE SAME THING FOR 5 YEARS NOW. WHAT IS THE PROBLEM? I AM DEALING WITH A BUNCH OF LIERS AND YOU DO ZERO TO HELP AN INNOCENT PERSON.