davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax regarding their failure to address and rectify inaccurate information on my report. I have attempted to resolve this issue directly with Equifax to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows XXXX XXXX XXXX XXXX I first contacted Equifax in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

XXXX XXXX XXXX XXXX, I reached out to Equifax again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with Equifax, my efforts to rectify this situation were met with silence. On XXXX  I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

4. Regrettably, Equifax has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that XXXX addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with XXXX, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. 

Thank you for your time and assistance.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (NY)

I am writing to express my EXTREME dissatisfaction with the handling of my dispute regarding a hard inquiry ( XXXX  ) on my credit report, initiated on XX/XX/2024 with the CFPB. As of today, XX/XX/2024, more than XXXX  days have elapsed without any resolution, response, or documented proof ( as asked ) provided by Experian regarding the legitimacy of the aforementioned inquiry. 

It is deeply concerning that despite my timely initiation of the dispute, Experian has failed to adhere to the regulations outlined in the Fair Credit Reporting Act ( FCRA ), which mandates a prompt investigation and resolution of consumer disputes. The delay in addressing this matter not only violates my rights as a consumer but also undermines the integrity and reliability of Experian 's credit reporting services. 

Furthermore, I find it alarming that Experian has neither removed the disputed hard inquiry ( XXXX  ) nor provided any EVIDENCE demonstrating that I authorized or initiated said inquiry. This lack of transparency is unacceptable and contributes to a sense of violation of my rights under the FCRA. 

I demand immediate action to rectify this situation. I expect Experian to expedite the removal of the disputed hard inquiry from my credit report without further delay ( or provide DOCUMENTED PROOF that I initiated or authorized hard inquiry from XXXX XXXX  ) do NOT verify hard inquiry as valid until such proof has been provide from XXXX. Additionally, I request a thorough explanation for the prolonged delay in addressing my dispute and a commitment to improving the efficiency and effectiveness of Experian 's dispute resolution process. 

Failure to promptly resolve this matter and provide a satisfactory response will compel me to escalate this issue to relevant regulatory authorities and pursue legal recourse to protect my rights as a consumer. 

I trust that Experian will prioritize this matter and take the necessary steps to address my concerns in a timely and satisfactory manner.
Consumer complaint received 2024-01-14
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: EQUIFAX, INC. (CO)

I have reached out to XXXX and Equifax several times and i have yet to receive a response of any kind. I have 2 credit cards that are not showing on XXXX and Equifax. Equifax is also showing an erroneous payment history showing several late payments that are not on the other CRA 's for one of my listed cc ending in XXXX. I have been informed since Equifax has not responded that I am owed {$1000.00} in compensation. Please tell me how i can go about collecting that amount. The lack of information being reported by the CCRA 's is falsely suppressing my credit score and is causing me financial harm. I need this fixed immediately. Thank you.
Consumer complaint received 2024-04-05
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. (FL)

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. 
I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary. 
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Consumer complaint received 2023-10-28
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: Experian Information Solutions Inc. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-28
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)

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove, XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX from my consumers report, this payment is being reported twice within another XXXX XXXX account XXXX dated the same year and month, I was never late on this self-lender account. This is against FCRA to have two of the same payment reporting on two different accounts I have never been late.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. 
As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Credit report agency continues to report incorrect information and is improperly reporting per FCRA. Identity theft had been recorded with social security, federal trade Commission, attorney general, etc. As a victim, the agency is required to instantly blocked transactions within 4 days ( 15 USC 1681 ( C ) ( 2 ) ) and 5 days ( 15USC 169 ( G ) ( A ) ) to validate debt with proof. It has been over six months dealing with this fraud.

All communication must be USPS no phone calls will be taken.
Consumer complaint received 2024-01-11
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.

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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with with the Fair Credit Reporting Act this creditor has violated my privacy rights as a consumer. They are not reporting fair and equitable to ne as a consumer with regards to privacy and confidentiality 15 USC 1681 Permissible Purpose section 602 states | have rights to privacy, 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

3.5 years ago my wallet was stolen and XXXX credit cards were used illegally. They are ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. The XXXX other credit bureaus have expunged those XXXX accounts. Only Experian continues to carry those XXXX bad charges. Causing a XXXX point disparity between those XXXX credit bureaus. Id like Experian to also remove those delinquent accounts. It is adversely affecting my FICO score and causing me great XXXX XXXX despair.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-05-30
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. (TX)

I am writing to dispute the listed accounts on my credit report, which were reported by the credit bureau in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. The following accounts have been reported inaccurately and in violation of several sections of 15 USC 1681 : Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX Balance {$510.00} Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$8600.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXXXXXX XXXX Balance {$1400.00} Specifically, these accounts contain outdated and incorrect information that has not been updated or verified, and they were reported without my written permission as required by law under Section 602 ( a ) of 15 USC 1681. In addition, they violate Section 1681c ( a ) ( 5 ) of the FCRA, which prohibits credit bureaus from reporting outdated information that is more than 7 years old. The accounts also violate Section 1681s-2 ( a ) ( 1 ) of the FCRA, which requires credit bureaus to investigate a consumer dispute within 30 days and remove any information that can not be verified.

I also assert my rights under Section 1681g of the FCRA to access my credit report and dispute inaccurate information, as well as under Section 1681i, which requires credit reporting agencies to investigate disputes within a reasonable time frame. Furthermore, I dispute any inaccurate or misleading representations made by debt collectors on these accounts under Section 1692e of the FDCPA. Finally, I request the removal of any inaccurate or unauthorized information from my credit report under Section 1681 and Section 6802, which protects my rights to privacy and disputes unauthorized access to my personal financial information. I request that the credit bureau investigate these inaccuracies and remove any unverifiable information from my credit report.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRY - XX/XX/XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (FL)

citi cotsco credit card account. 
On XXXX XXXX XXXX was made An agreement with the account creditor. This account was settled and paid. But still showing as unpaid in to my credit history. Or this is not fair. I already called them several times but they dont want to cancel it as we agreed.
Consumer complaint received 2024-04-05
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. (MO)

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company the XXXX ( XXXX ) finance services and XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2023-08-31
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 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 2024-01-12
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. (LA)

As stated in the Fair Credit Reporting Act 15 USC 1681 Section 602, it is decisive for consumer reporting agencies like Equifax and XXXX to carry out their responsibilities with fairness, unbiased, and respect for the consumer 's right to privacy. As the consumer, I have the right to make certain that my private information is not shared, as supported by section 6801 of the same Act. This section emphasizes that financial institutions, including the entity furnishing information to credit agencies, have an ongoing obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. Section 604 ( a ) ( 2 ) of the Act states that consumer reporting agencies may only furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer to whom the report relates. In this case, neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have my consent to furnish this information, let alone my written consent. Therefore, any previous consent given to Equifax, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, section 6802 ( b ) ( c ) of the Act states that a financial institution can not impart nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how they can exercise their right to nondisclosure. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Furthermore, section 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse item of information in a consumer report, except as authorized under subsection ( b ). In conclusion, it is evident that the actions taken by Equifax, XXXX, and the furnisher of information to credit agencies are in violation of the Fair Credit Reporting Act. As the consumer, I expect my rights to privacy and covertly to be respected, and I demand that immediate corrective measures be taken to rectify this situation.