davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

These are Wrong on my credit report I Should have no late payments to my file. I want these to be change to on time payments, and these need to be change within 30-45 days I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS! 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 




( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-04-16
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. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-16
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)

I am writing to express my deep dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered accounts that do not belong to me. Therefore, I request the removal of these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request that you conduct an investigation into these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process.
Consumer complaint received 2023-10-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I received a notice of the this debt on XX/XX/XXXX from Procollect Inc. This debt was incurred in XXXX and paid around XXXX to the XXXX XXXX directly. I called and spoke to a representative for Procollect asking for some type of verification on this as it was paid many years ago. All they could provide was that they had spoken to me last in XXXX. I have not been contact by them since. The XXXX XXXX XXXX not have this information any longer as it has been 10 years and they have moved management companies many times over. When I asked for Procollect 's license number to make a report, I was denied. I was unable to find their information as a licensed creditor to make a report online.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code 1681 section ( a ) ( B ) ( c ) ( N ) ( o ) ( s ) Congressional findings and statements of purpose My credit report is showing everything is 100 percent on time but nothing has been changed All the inquiries have to be removed in each credit reporting system from XXXX XXXX and Experian even tho Experian is a 3rd party so they really cant report anything negative at all!!!!

Everything thats charged off must be paid as agreed the credit cards old cars that are on there Privacy Act 1974 5 u.s code 552a Opt out laws ( Part 1016 PRIVACY OF CONSUMER FINANCIAL INFORMATION REGULATION P ) 12 cfr 1016.1 purpose and scope 12 cfr 1016.13 ( 14 ) ( 15 ) 12 cfr 1016.4 initial privacy notice to consumer required
Consumer complaint received 2024-04-16
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. (FL)

XXXX IS A FRAUD ACCOUNT OPEN BY XXXX UNDER MY NAME WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CR4EDIT REPORT BY LAW. ACCOUNT NUMBER XXXX IS INACCURATE, I CALL THE CREDITOR TO CLOSE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/2023, I mailed the attached letter to XXXX to have incorrect addresses removed from my credit profile. I included a utility bill and copy of my driver 's license. To this date I have not received any correspondence from the company regarding this letter. I have attached the letter that was mailed.
Consumer complaint received 2024-06-26
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)

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my 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! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NY)

Was contacted by Wells Fargo representative informing me of funds being refunded to my account made withdrawal for XXXX had available XXXX 3 days later recieved a alert on my app saying account is overdrawn by the amount of XXXX I don't have overdraft protection so if funds was not available I would not have been able to withdraw or make transactions especially from an outside atm filed complaint with wells fargo of course my complaint was unfounded my ATM card was cut off by wells fargo was informed I was receiving another card in mail
Consumer complaint received 2024-04-16
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. (TX)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is inaccurately reporting the accounts listed as XXXX. Experian is the only credit bureau reporting this alleged debt and they have provided me with evidence that they performed a reasonable investigation that actually validated this information. Furthermore I am unable to be indebted to any creditor as the negotiable instrument being used in this transaction gains interest from the trading. The only reason Experian continues to report this information is because they are paid from the selling of consumers information and transactions with companies.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In noticed a XXXX XXXX XXXX XXXX XXXX. I have no idea why this is being listed on my report and it should be removed. I recently investigated this with XXXX XXXX and I sent in the results stating that it was removed below.
Consumer complaint received 2023-08-29
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: LEXISNEXIS (TX)

I have been requesting from LEXIS NEXIS a copy of my Consumer Disclosure Report, to NO avail, whatsoever. I have attempted to obtain it via regular mail and certified letter with confirmation, return receipt. However, I have never obtained the report, despite incurring costs to make copies, pay for postage, travel to and from the United States Postal Service Station. Not only that, when my letters failed to generate a response from the company ; I even phoned them, only for them to request the same identification that I'd sent along with my mailed letters. Thus, I complied with the request that I was given via phone only to not even receive any report to download ( as I was told that I would be supplied with a copy for download ), once my information was " verified. '' And that I could call back in 45 minutes after uploading the documents to be given a code to obtain the download. Well, once I called back, I was told my email with the credentials to download the report would be forthcoming. However, that did not happen. 

I am seeking help to finally be able to obtain my Consumer Disclosure Report from Lexis Nexis. ***** PLEASE SEE ATTACHED COMMUNICATION from XX/XX/2023 ***** confirming that they received my " Communication '' which was my uploaded Texas DL and Social Security card, again ( which was what they requested during my phone call ) and instructed me to follow the directions in the email. This was my 3RD ATTEMPT, in 2 years trying to obtain my Consumer Disclosure Report from Lexis Nexis.
Consumer complaint received 2024-04-16
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX  Balance : {$52000.00} XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$12000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX XXXX ( Original creditor : XXXX  XXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$26000.00}
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am writing to express my profound disappointment and frustration with the lack of action taken by Experian, XXXX, and XXXX on my previous dispute letter dated XX/XX/XXXX. It is with great dismay that I must inform you that the disputed accounts listed in my initial letter have not been DELETED from my credit report, despite my explicit and unequivocal assertion that these accounts do not belong to me. 
Account Name Account number XXXX ) XXXX XXXX XXXX **XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not mine I received a letter stating that this account were verified and I insist that Experian, XXXX, and XXXX provide me XXXX within 30 days, with the following documentation, as required by law : 1. Copies of the contracts or agreements bearing my signature for each account listed on my credit report.

2. All supporting documentation or evidence linking me to these disputed accounts.

3. detailed account history, including a record of payments, charges, and any other relevant transactions.

4. Charge-Off Documentation that supports the charge-off status of the account.

5. Chain of Ownership, If the account has been sold or transferred to a collections agency, provide me documentation that establishes the chain of ownership. 
6. Date of Last Activity 7. Proof of Reporting Compliance. 
I would like to receive this information here, so the CFPB can see it and have as a record and also by mail to 7 XXXX XXXX, XXXX XXXX NY XXXX. If this information can not be provided those incorrect accounts should be DELETED from my file as soon as possible.
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NY)

navy federal i callled XX/XX/22 stated that my cards was stolen and used on my phone, i called again each week after that they have the records they assigned XXXX investigators one demed everything wa sfrauf and was a wonderful help the othe i believe his name way XXXX he was rude and seemed happy i was going thru pain and emotional distress he said the charges were not fraud and accused me of doing them when they were both from same merchant XXXX XXXX which the other investigstor already said was fraud when i asked about his steps in his investigation he hung up on me immediatly i complained and got no where. 

then during this time my XXXX XXXX was stolen with my phone they helped with most of the charges but not all and in their customer agreement it clearly states cunsumers are not responsible for fraud. so i need this removed from my XXXX for inaccuracy reasons its showing on XXXX a XXXX balance owed and my XXXX XXXX is only showing XXXX so they are reporting and inacuracy not to mention i submitted police reort ftc reort and indenty theft afidavit then i have XXXX XXXX XXXX XXXXXXXX XXXX acounts i did not open reporting on my personal credit report these are fraud as well ] and last is a XXXX XXXX  reporting XXXX dollars on my report which i never opened i supnitted the prper documents and have not heard any thing back i am trying to purchace a home and this is ruining. mmy credit
Consumer complaint received 2024-04-16
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.