davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
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 have reported Identity theft along with consumer law violations to Transunion on multiple occasions including on XX/XX/XXXX and XX/XX/XXXX. They HAVE ILLEGALLY IGNORED AND DISMISSED MY DISPUTES! I plan to initiate a lawsuit against Transunion for violating my consumer rights! I have provided Letters, My ID, Social Security Card, and an Identity theft report showing and proving these violations. TransUnion is in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information , 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy, and FCRA 605B Under 15 U.S.C. 1681c ( 2 ) - Block of information resulting from Identity Theft stating that the bureau MUST Delete Immediately. TransUnion must be held accountable and Remove these items that violate my rights and uphold the consumer laws put forward.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I reviewed by Consumer Report and noticed inaccurate/unverified information is being reported by the CRAs. I have disputed inaccuracies with the Creditor/Data Furnisher and both agencies did not provide reasonable procedures followed by law of reporting adverse account information to my consumer report. 

15 U.S. Code 1681e of the Fair Credit Reporting Act ( FCRA ) outlines the requirement for maximum possible accuracy of information in consumer reports. Heres the relevant section : XXXX - Compliance procedures 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 relates1.

15 U.S. Code 1666b - Timing of 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 to ensure that each periodic statement, including the information required by section XXXX ( b ) of the FCRA, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The following accounts are reporting inaccurate and unverified - XXXX XXXX XXXX XXXX XXXX Late Payment reported on XX/XX/XXXX, XXXXCreditior/Data Furnisher did not verify/validate late payments under the FCRA. 

XXXX XXXX XXXX XXXX  Late Payment reported on XXXXCreditor/Data Furnisher did not verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor XXXX XXXX Charge Off-various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor XXXX Late Payment-XXXX  day late XX/XX/XXXX, XXXX ( added after disputing XXXX day late ) ; XXXX day XXXX, XXXX ( added after disputing which shows inaccurate reporting ) -Creditor/Date Furnisher failed to verify/validate late under FCRA-Creditor added additional late payments-CRAs added additional late payments to consumer report without verifying-which shows inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late PaymentXXXX Furnisher failed to verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor
Consumer complaint received 2024-03-23
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. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-03-23
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)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts are not complete and accurate. 

XXXX XXXXXXXX Account number XXXX accounts are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 sent a letter asking them to make sure everything is complete and accurate. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 am requesting for this account to be DELETED my credit report. 
Please see this attachment below
Consumer complaint received 2024-03-23
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. (NC)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.
Consumer complaint received 2023-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I dispute false statements and fees regarding the amount owed on these collections. 

Portfolio Recovery Associates , LLC, reference XXXX XXXX  {$510.00}, It's illegal by law : ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless that amount is expressly authorized by the agreement creating the debt or permitted by Section 808 ( 1 ) of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) prohibits debt collectors from collecting any amount law.
Consumer complaint received 2024-03-23
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)

I have communicated several time for the removal of a bankruptcy and the items that I have showing negative notations on reporting on my credit report recently even providing the evidence from the court stating that they do not report to any third party. I have at no time ever given my consent to XXXX, XXXX XXXX or Experian to report anything on my behalf. Nor did I ever give my consent to any creditors to disclose my information to any third party company. They are also reporting items on my credit report that are showing to be charged off and according to the IRS publication a Charge off is considered income. 

I am asking for the removal of all items on my credit report that fall under the Purview of the sited Acts, Codes and Public Laws immediatley. 

They are in direct violation of the Privacy Act of 1974, 15 US ode 1681 ( b ) Permissible Purpose, as well as P.L. 90-321 - That states the following : ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
Consumer complaint received 2024-03-23
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. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-01-12
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: National Credit Adjusters, LLC (TX)

What is this account? I checked my reports monthly and I still see this very inccurate and incomplete account reporting in my credit file. I urge your team to remove this as soon as possible. Let us work this out and help me start a cleat slate.
Consumer complaint received 2024-03-23
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-31
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. (VA)

On XX/XX/XXXX, I checked my consumer report, In accordance with the fair credit Report act. 


15 U.S.C. 1681 section 602A- states that a person has the right to privacy. 
15 U.S.C. 1681 section 604A section 2- states that a consumer reporting agency ( CRA ) can not provide an account without written instructions. 
15 U.S.C 1681 ( a ) ( 5 ) Section - States no consumer reporting agency may have any consumer report containing any of the following information, other than the convention of a crime. 
15 U.S.C. 1681-2 ( 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. 
The following list of accounts below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Erroneous Reporting on Credit Report - Violation of 15 U.S.C. 1681 Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the inaccurate information present on my XXXX credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I demand immediate action to rectify this matter in accordance with my rights outlined in 15 U.S.C. 1681. 
Upon reviewing my credit report, I was dismayed to discover that accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still being reported, despite being rightfully removed by XXXX. This inconsistency in reporting is not only confusing but also damaging to my creditworthiness and financial standing. 
It is imperative to note that under 15 U.S.C. 1681, consumer reporting agencies such as XXXX are mandated to ensure the maximum possible accuracy of the information contained in consumer reports. The persistence of these erroneous entries on my XXXX report blatantly violates this federal law and undermines the integrity of the credit reporting system. 
I demand that XXXX promptly conducts a thorough investigation into the inaccuracies in my credit report and takes immediate action to remove the erroneous entries associated with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I also am providing proof from XXXX showing none existing accounts on my XXXX. Furthermore, I insist on receiving a written explanation detailing the steps taken to rectify this matter, as well as a revised credit report reflecting the accurate information in compliance with the FCRA. 
Failure to comply with these demands within the statutory timeframe will leave me no choice but to pursue legal action to enforce my rights under the FCRA, including seeking damages for the harm caused by XXXX negligent reporting practices. 
I trust that XXXX will handle this matter with the utmost urgency and professionalism. Your prompt attention to this dispute is greatly appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

Reliacard/US Bank is not allowing me to withdraw funds that I need while out of state. I have attempted to speak with them multiple times by phone to resolve this. I was told they have placed a " travel exemption '' on my account. However, they still will not allow me to withdraw funds greater than {$240.00} per transaction, causing me to incur excessive out of network atm withdrawal fees. 

CFPB is also not allowing me to view the company 's response ( pdf attachments ) - so here 's more work for you XXXX
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. (TX)

Hi, I disputed the unauthorized transaction for XXXX / XXXX with Experian, and the dispute report # XXXX did not find the mistake. 
Back in XXXX, I found many fraudulent transactions and called XXXX to cancel the account, but it kept sending the statement to ask for the payment I did not authorize. 
It affects my credit score a lot. Could you please help me to solve this problem? 
Thank you. 

Best regards, XXXX XXXX
Consumer complaint received 2024-03-23
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. (MA)

I am writing to formally dispute the verification of a collection account on my credit report. Despite previous verification, I request the DELETION OF THIS ACCOUNT in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), and the Fair Credit Billing Act ( FCBA ) Section 623 ( a ) ( 7 ). 

The collection account in question is XXXX XXXX XXXX, reported by you. I believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. 

Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report as per FCRA, FDCPA, and FCBA guidelines. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (NV)

I have my XXXX  credit report from XXXX 2020. It shows the list of accounts that were deleted, yet the other bureaus were not updated. I made contact with the creditors to ask for a deletion letter to be sent to the other bureaus. The gave me the complete run around. They do not have the correct address or phone number for me, the account number I gave them did not pull up in their system, they had to use my name to find it. I advised this could be why they sent deletion status to XXXX  because when my dispute was received they had no information to pull the account up. The account was NOT verified in their systems. 

Credit Collection Service : Acct # XXXX -- {$110.00} XXXX Spoke to XXXX the supervisor, who advised that a dispute was received and a response was sent to the bureau as invalid.
Consumer complaint received 2024-03-23
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. (MD)

The Fair Credit Reporting Act, specifically under 15 USC 1681 Section 602 ( a ), emphasizes the importance of consumer reporting agencies such as XXXX and Experian handling their significant responsibilities with fairness, impartiality, and a respect for consumers ' privacy rights. As a consumer, I hold the right to ensure my personal information is not indiscriminately shared, a right supported by 15 USC 6801, which mandates financial institutions to honor their customers ' privacy and protect their nonpublic personal information.

Under this regulation, the entities furnishing information to credit agencies are recognized as financial institutions. Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) explicitly states that consumer reports can only be furnished under specific conditions, XXXX being the explicit written consent of the consumer involved. Therefore, without my written authorization, XXXX XXXX, Experian, and the information furnisher do not possess my consent to distribute my information. 

I hereby revoke any form of consentbe it verbal, non-verbal, written, implied, or otherwisepreviously granted to XXXX XXXX, Experian, and the information furnisher regarding the sharing of my personal information. Moreover, according to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to third parties without informing the consumer of their right to opt-out, which I was not made aware of.

Furthermore, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from reporting any adverse information older than seven years, except for criminal convictions. The accounts in question are adverse items being reported without my consent, violating this stipulation and have been included in a FTC Identity Theft report provided to both Experian and XXXX XXXX XX/XX/2024. This neglect not only compromises my financial integrity but also directly contravenes 12 CFR 1022.3, which defines identity theft as a fraud committed using another person 's identifying information without authority. Furthermore, Experian and XXXX 's inaction breaches 15 USC 1681e 's Compliance Procedures, specifically sections A and B, which mandate consumer reporting agencies to ensure the maximum possible accuracy of the information in their reports.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing consumer information to reporting agencies if it is known or suspected to be inaccurate. 

XXXX XXXX and Experian 's failure to adhere to 15 U.S. Code 1681e, which requires the maintenance of reasonable procedures to prevent violations and limit report furnishing to authorized purposes, demonstrates a lack of compliance with these regulations. Also, as per 12 CFR 1016.7, consumers have the perpetual right to opt out, which I am exercising now by opting out of your reporting services.