davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-09
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. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violate 15 USC 1681 a ( 2 ) ( A ) ( i ) which states that it is illegal to report transaction history : " 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Also, Fait Credit Reporting Act 15 USC 6805 states that CFPB must enforce it : `` 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. '' I am requesting that above names accounts be updated to the " paid as agreed '' status reporting 0 % Credit Utilization and {$0.00} Reported Credit Balance.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I am writing to dispute hard inquiries that have appeared on my credit report. After reviewing my credit report, I have identified these inquiries that I know are inaccurate and should be removed : Experian XXXX XXXX All Banks XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-05-26
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: Experian Information Solutions Inc. (NJ)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-01-08
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX XXXX  {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went away on vacation to XXXX XXXX and there were charges that were made on the card after I lost the card and then I tried to dispute using Capital Ones process. They said they were verified, but provided no evidence how they came to that conclusion after it was requested. I then received notification in the mail that a class action law suit was filed and all of those charges that took place and were in dispute were not valid. Please reference XXXX v. Capital One, N.A. Case No. 1:22-cv-1073. I was also previously impacted by Capital Ones improper banking practices, please reference XXXX v. Capital One.
Consumer complaint received 2024-01-08
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. (TN)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. " According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Consumer complaint received 2024-04-01
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. (TX)

XXXX, XXXX, & Equifax are reporting a bankruptcy on my consumer report that is not accurate they claim they verified the information but how did they verify it and XXXX stated that the information was incorrect and the removed. So I would like to know how did the credit bureaus verify the information?
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I reviewed my consumer report and noticed a late payment on an account that was never late. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumers ' information to the best of their ability with maximum accuracy. I have never been late on payments for the account i have included a screenshot inside this complaint on the dates of XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand that this account payment be updated to paid as agreed on time as they should be since I was never late. Thanks! PLEASE SEE SCREEN SHOT ATTACHED
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MA)

I want to close my American Express Delta Skymiles card account which I have had for less than one year. Various reasons to cancel : many, many places do not accept American Express ; I don't really need it ; it was supposed to be free for one year and then XXXX  and I just got an email saying that renewal fee is suddenly XXXX rather than XXXX  It is only " a backup '' card for us and this annual expense is excessive for one we hardly use. Also, I don't want it! I gave it a try, and don't like it. 
Today, on XX/XX/year>, I called customer service with the # on back of card XXXX. Waited almost 13 minutes on hold, wasting my time. 
( I had already called to cancel it a month prior and was told to call " closer to the renewal date ''. ) The information about the card cleverly does not list any steps to take to cancel. 
I feel it is a rip off. There should be plenty of time to cancel it ( end of XXXX expires ) and it is not at all transparent.
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (CT)

This company has been double dipping into my TRUST which is a crime this account was paid on XX/XX/2023 with BUSINESS.CT.GOV Filing number XXXX
Consumer complaint received 2024-04-15
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. (WA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-08
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. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-05-09
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-08
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)

I have been going through troubling times. I havent been able to receive any financial help through my credit due to false information reporting on my credit and inaccuracies within them.

In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 

XXXX XXXX XXXX XXXX Inaccurate accounts numbers listed : Experian : XXXX Last Activity XX/XX/2022 XXXX : XXXX Last Activity XX/XX/2022 In accordance to the Fair Credit Reporting Act any information that is inaccurate must be removed immediately.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2024-01-08
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. (NY)

According to the fair credit reporting act XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section602 A states I have the right to privacy and also states a consumer reporting agency can not furnish an account without my written instruction. It is also my understanding under the FCRA 15 USC sec 1681i every single even each and all the unproven, non-compliant, incomplete, untrue, incorrect and or unverified aspect of any alleged derogatory account must be promptly negated in its entirely or the alleged account are to be completely DELETED. This derogatory account allegation is either UNTRUE, UNVERIFIED, INCORRECT, IMCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY OR OTHERWISE NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-01-08
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. (WI)

On XX/XX/2023 I requested Experian to " investigate ever piece of information '' in in complaint # XXXX ( CFPB ). 
According to the FRCA the term " investigation consumer report '' means a consumer or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends or associates of the consumer reported on or with whom he/she is acquainted or whom may have knowledge concerning any such items of information. 

Experian stated that my account were verified, but how? How is it possible if they did not do a proper investigation according to the law? According to the FCRA 15 U.s.c. 1681 everything has to be accurate. I request proof that Experian did there investigation.
Consumer complaint received 2024-05-09
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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