davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you in good health. I am writing to formally dispute and seek assistance in rectifying inaccuracies present in my credit report, which I believe violate established consumer protection laws. I kindly request the Consumer Financial Protection Bureau 's intervention in addressing these issues and ensuring that my rights as a consumer are upheld. 

I am deeply concerned about the following violations that have adversely impacted my credit report : Unauthorized Inquiry by XXXX Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Unauthorized Inquiry by XXXX Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Unauthorized Inquiry by XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Incorrect Account Information by XXXX Account Number : XXXX Violation : The account 's name and number are questionable. I urge for clarification or immediate removal from my credit report. 
These violations deeply resonate with me due to a personal experience that I feel compelled to share. In [ share personal story here ], I have experienced firsthand the far-reaching implications that inaccuracies in credit reporting can have on one 's life. The financial stress, emotional toll, and loss of opportunities I faced due to erroneous credit information left me feeling helpless and unfairly treated. This experience reaffirms the critical importance of accurate credit reporting and the necessity of consumer protection laws to prevent such situations from occurring. 

Given the gravity of these violations and the tangible impact they can have on individuals ' lives, I earnestly request the Consumer Financial Protection Bureau 's assistance in enforcing the legal framework that safeguards consumers like myself. I kindly ask that you work diligently to ensure that the relevant creditors investigate and address these violations in accordance with the law. Specifically, I urge for the prompt removal of the unauthorized inquiries and the unverified account from my credit report. 

I appreciate your attention to this matter and the vital role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights. I look forward to your timely response and the resolution of these violations. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX and XXXX regarding XXXX  information ( Ref : Equifax XXXX XXXX : XXXX XXXX : XXXX. Unfortunately, despite filing my initial dispute on XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX, equifax and XXXX Bank have been notified to remove this item from my credit report due to false information and no legal evidence to prove validation of this account to me and the opened date is false/incorrect. Several disputes have given XXXX factual proof.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2018-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (FL)

American Express Travel Related Services Company , Inc. issues the Amex Bluebird card in partnership with XXXX. I have been using this card for direct deposit and as my primary spending instrument for a number of years now. On XX/XX/2018, I returned a broken retail item to XXXX  and was issued a refund with no troubles from the store. The object was obviously defective and my money was credited back to my card. The amount in question was {$140.00}.

This amount has, as of XX/XX/2018, still not been made available to me in my account. Due to this, I have had absolutely no money to my name for a week now. I am desperate to have this resolved. I know the amount of money involved is not a large sum, but I was relying heavily on it to feed my family, as I am a poor man. Because of this glitch, or whatever it is, my XXXX  XXXX-year-old XXXX XXXX   and my XXXXyear-old have not eaten since Tuesday, when they ate saltine crackers and catsup. My wife and I have not eaten since Sunday. With tomorrow 's meager paycheck, I will have to buy food and I will not be able to even purchase the cheap XXXX XXXX toys I was going to leave under the XXXX Tree this coming Monday evening.

This money does not belong to American Express. It belongs to me. I have no one to whom I can go for a small loan or any help. The soup kitchen in my area is a violent den of drug users and drug dealers. I do not qualify for benefits because I do have a job. And normally I can afford to just barely squeak by, but every penny counts in my home and American Express 's arbitrary hold policy is literally starving my family.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

i have never open this a XXXX credit card. some stole my information and had everything sent to my address that is how i knew about everything, this has been on going for years and XXXX  is not doing anything about it. please remove this off my credit report and creditors. i did not open this account!
Consumer complaint received 2023-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

As per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given to the following companies Written & Unwritten, verbal and non verbal per 15 USC 6802. 

Capital One Auto Finance, 2016 XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the Written permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


To whom it may concern : I am officially asking you to review your data on file for me! Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I have asked Equifax to investigate inaccuracies inconsistencies and incomplete information several times now. Each time they update and verify information that is clearly in violation of FCRA including a duplicate account which I will include in attachments. I also asked for a description of the investigation completed which I still have not gotten. I will include attachments to show the inaccuracies and incomplete information Equifax is reporting. Equifax is hindering my ability to obtain credit.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (AL)

Violation of 15US Code 1692e. 
This is another formal complaint to XXXX, Equifax and XXXX that XXXX Bank is reporting inaccurate and incomplete and misleading information. Also, you are violating 15 U.S. Code 1692e - False or misleading representations federal law 1692 ( e ) ( 8 ). FCRA violation : Law 1692 ( e ) ( 8 ) Communicating any persons credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Failing to report an account disputed by the consumer as " disputed '' to the credit reporting agencies is a violation. I submitted a dispute with XXXX, XXXX and Equifax on XX/XX/XXXX on XXXX Card Account # XXXX and XXXX Card Account # XXXX. The date of the last reported update was XX/XX/XXXX. I submitted another dispute with XXXX, XXXX and Equifax on XX/XX/XXXX on XXXX Card # XXXX and XXXX Card # XXXX. The date of the last reported update was XXXX/XXXX/XXXX. The deadline for adding consumer comments has passed for date of submission as per federal law. As of todays report, no comment of consumers dispute is notated on credit report as this is a violation. No feedback has been provided regarding the investigation. Attached you will find results completed by Equifax confirmation # XXXX, Equifax confirmation XXXX and XXXX and XXXX credit reports, as no remarks/comments written that consumer is disputing these accounts. Please be sure to review EQUIFAX CREDIT FILES # XXXX AND XXXX XXXX creditor reported updates were made but they did not reflect in the report. No investigation was completed at either request.
Consumer complaint received 2023-12-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I called JPMorgan Chase Bank to renegotiate my CD, specifically to add funds to my existing CD. I have received a mailer that confirmed this, but when I look at my account online, the additional funds added to the CD are not there. They are still in the Checking Account. I called Chase Bank 4 times since XX/XX/XXXX and talked with the Escalations department. They say that a case has been opened on this, but they can not provide a timeline on when they will have this settled and will not guarantee that I will have my interest backdated to XX/XX/XXXX, nor any guarantee that the funds will be added to my CD.
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. (GA)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-12-28
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. (RI)

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX. 
XXXX XX/XX/XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized
Consumer complaint received 2024-04-18
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)

Despite my persistent attempts, I've encountered no resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the significance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no choice but to demand the immediate removal of these items from my report.
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
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. (TX)

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 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 XXXXXXXX 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 an account without my written instruction.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-04-18
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. (SC)

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. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Consumer reporting agencies XXXX XXXX, XXXX, and Equifax did not follow the following laws after the notice my notice of dispute was submitted : 1. FCRA Section 623 ( a ) ( 3 ) and 2.FCRA Sections 623 ( b ) ( 1 ) ( A ), 3. FCRA 623 ( b ) ( 1 ) ( B ), and 4. FCRA 623 ( b ) ( 1 ) ( C ) in regards to their duties after my Notice of Dispute was submitted by USPS Certified mail. The following are my most recent notices to the credit reporting agencies. 
XXXX. XXXX - USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Date XX/XX/2024 XXXX. Equifax - USPS CERTIFIED XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024 XXXX. XXXX XXXX - USPS CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024
Consumer complaint received 2023-12-28
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. (CO)

I had auto insurance using this XXXX XXXX with no plm until my travel trailer was stolen. I then reported the theft. I got the paid out check from them for the loss. However, they charged me for auto and travel trailer of under {$300.00}, but they then realized they made a mistake assuming I still have the travel trailer. I did not have it aince XXXX, XXXX. They charged me miatakenly after I called them on why they charged me too high. They fixed it. And I allowed them to take my money using the auto pay system. However, they were going to charge me more than normal. I called last week why they are high. They said it is due to accident in XXXX, XXXX. But that was already counted on the previous policy. Inatead of keeping it same as before, they would charge me for under {$350.00} or more. The truck is only XXXX. The XXXX XXXX ripped me off big time. Plus they used my credit score or report without my permission. I wanted to purchase a life insurance and they rejected my application to get a life insurance. See their letter. Again, they are being cruel to me. The credit score changed for some reason. Also, the amounts of money they took from my bank were irregular. They did not take the same amount per month. They are not balancing right with my bank account and insurance policy. Very fishy. Equifax did have repeatedly used very, very, very old information on my credit record. They are probably racists setting me up to fail and keep me stuck in the level and would NOT let me cross XXXX. I see their credit repoets do not have XXXX apartments information that I had/have lived. No credit record was charged at all before and after living in apts and using utlities. No changes.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Approve Holdings, Inc (FL)

On XX/XX/2023 I responded ( via phone ) to an offer received by mail from Auto Approve to refinance my car loan. The representative I spoke with on the phone collected personal/financial information from me to create an account. Before providing my social security number, I asked if there was going to be a hard inquiry on my credit report and was told not at this time. We kept going through the process and then came to a point where a hard inquiry was needed in order to proceed. I declined to proceed, and when asked why, I stated that I did not want a hard inquiry added to my credit report at this time. I thanked the representative for her time and the call ended. 

Minutes after the call ended, I received notifications from XXXX and XXXX XXXX alerting me to the fact that a hard inquiry from Auto Approve hit my credit report. I called Auto Approve back immediately and the new representative looking at my account read the notes the last representative made, most notably " client declines to proceed with hard credit inquiry. '' This representative said that the last representative definitely did not follow procedure and that an inquiry should never have been made. I requested that the inquiry be removed from my credit report but the representative on the phone said they weren't able to but a manger would be able to assist. I was also told that a manager could not be conferenced in to the line and that I could not be transferred to a manager but one would call me back if I provided my call back information. I provided that information but did not hear back that day. I called back the next day and explained what occurred again and received another apology/promise that a manager would call me back, but did not receive a call. I then called the next three days and was told the same thing. A manager never called me back. 

I would like this remedied by the hard inquiry being removed from my credit report. This inquiry resulted in a credit downgrade from " XXXX '' to " XXXX, '' which significantly affected an event in my life. Attached below is the initial ( and only ) written correspondence from Auto Approve.