davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

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

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

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

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

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

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

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

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

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-03-17
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. (MD)

I have disputed this account XXXX XXXX XXXX XXXX with every major credit agency and submitted documents proving that I paid my XXXX XXXX XXXX XXXX credit card account to a XXXX balance on XX/XX/XXXX & this recorded on my XXXX XXXX statement reflect thats and I called XXXX XXXX XXXX XXXX & prove through documents that XXXX XXXX XXXX XXXX is violating FCRA by reporting to the all 3 credit agencies that I owe XXXX XXXX XXXX XXXX XXXX $ write off because its obviously through XXXX XXXX statement and XXXX XXXX statements that I was a victim of identity fraud and unauthorized use of all my credit cards and banks cards. Anybody can get on XXXX and put my name and date of birth of birth and see that I was held at the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and I add XXXX XXXX XXXX does not have Wi-Fi capabilities or tablets in their facilities. Therefore the use on my XXXX XXXX XXXX rewards card that happened after XX/XX/XXXX of XXXX is obviously unauthorized use also XXXX XXXX and a bank extra money every month for credit protection, they have investigate for over 60 days I feel like it is open and shut case I called it directly through XXXX  XXXX I recently sent documents in the mail with their investigations at my account that one is still violating the FCRA And I request through section 611 how did they come up with their information to say that they write off {$110.00} credit report request section 608. 
This is ridiculous investigation has went on this long and XXXX XXXX XXXX XXXX is still reporting false information on all three of my major credit reports
Consumer complaint received 2023-08-08
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-28
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-17
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 and XXXX reported false and fraudulent information on my credit reports. They are still continuing to report these negative accounts and inquiries. 

XXXX and XXXX FAILED to inform me about the DATA BREACH and FALSE CREDIT reporting. 

XXXX and XXXX FAILED to inform me of compensation and how to apply in hopes I wouldnt find out. 

XXXX and XXXX have cost me thousands and thousands of dollars. Ive spent 1 year with letters and credit repair hours.
Consumer complaint received 2024-03-17
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 requested bureaus Experian, XXXX, and XXXX to reinvestigate accounts : Account name : XXXX XXXX XXXX XXXX ( XXXX ). Their results determined everything was complete and accurate. However, I am finding the reporting accuracy across the 3 bureaus is not correct. According to 15 USC 1681i ( 5 ), the bureaus are required to modify accounts that aren't reporting correctly. 

I am requesting proof of investigative efforts for this account. If proof can not be provided, I am requesting this account be deleted from my credit report due to inaccuracies.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (MD)

I was living at XXXX XXXX and was highly XXXX XXXX XXXX and could not XXXX  up the steps that lead to my apartment and requested a transfer I was put on a waitlist and was concerned about the affordability of the home and my current condition I set and had a meeting with the property manager in reference to moving out I put a proper XXXX notice in and continued living in the property temporarily because when I put my notice in my apartment was already leased before I vacated I attempted to complete my lease out after recovering from XXXX and was offered a neutral unit on on the third floor because of XXXX I am not able to climb that many stairs without a period where I am able to sit but I had spoke with the property manager and I was informed that my security deposit will be kept by the property management and I'm to pay my rent in full I paid my rent in full clean the apartment thoroughly there was no scratches or nowhere and tear on this unit so I didn't have any walk out violence after about 3 years of living out of the property I received a notification from century credit stating that I owe from a breach of lease the property manager which was XXXX at the time and I agreed that this will be the terms of me leaving my lease early I've been tried to before my proper notice was over try to stay in the property but my unit was already leased so to me I feel like not only did we have a verbal agreement and also my lease was breached by the property management company by leasing my unit out before my lease was over XXXX XXXX HAS NO CURRENT XXXX TO CONTAXT THEM VIA EMAIL OR PHONE AND IS NO LONGER AT THIS POOERTY
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MA)

On XX/XX/2018 I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect, and it's reporting on my credit report with multiple inaccuracies. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2024-03-17
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. (MI)

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the Case XXXX, Document XXXX, XX/XX/XXXX, XXXX, PageXXXX of XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the second time I am filing this complaint. These companies keep breaking the law and I'm so stressed over this. 

According to the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Can someone please help me hold these companies accountable for their criminal activities?
Consumer complaint received 2024-03-17
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. (FL)

Account # XXXX opened-XX/XX/2018 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-28
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. (NY)

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

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

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

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

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

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

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

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

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. XXXX, XXXX, and Transunion have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (TX)

Pro collect is reporting an alleged debt for {$7700.00} on my report. 
I sent a letter asking where the debt came from, a validation verification, and also a contract between me and Pro Collect allowing business and also allowing them to report anything on my report. 
Along with this I sent my ID and social security card for the validation verification. 

The lease that was provided had many discrepancies and inaccurate information that does not belong to me. ( 1 ) The Social is blank preventing me from verifying the social matches mine ( 2 ) The name listed is inconsistent throughout the contract ( 3 ) The rent charge is inconsistent with the rent charge listed on the break down. ( 4 ) The lease goes from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  but then the breakdown shows a lease termination fee on XXXX XXXX. How can you have a lease termination fee if a lease ends XXXX months prior? ( 5 ) The lease provided shows the lease termination fee is {$1200.00} but on the breakdown it shows a lease termination fee of {$4300.00} I have yet to receive a proper description of the validation verification ( considering my name and social is blank, how was this info verified? ) I also have not received a contract between XXXX XXXX and PRO COLLECT
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Account info Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$74.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$110.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$30.00} Original balance {$1500.00} Highest balance {$950.00} Never used a XXXX, still shows i owe {$110.00}