davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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: WELLS FARGO & COMPANY (OR)

I didnt authorize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

XXXX accidentally took money from my account. I contacted USAA to dispute but they told me they can't dispute pending charges unless they are fraudulent. But once the payment FULLY posted then I could dispute it. In the meantime, I am overdrawn through no fault of my own and can not even buy fuel for my vehicle to pick my kids up from school ( we are in a very rural area ). 

I asked about even disputing it as fraudulent, which it wasn't, if I could get a provisional credit just to have access to MY MONEY to get fuel and they said they DO NOT KNOW when or how provisional credits are applied to accounts. THEY DO NOT KNOW! 

So now XXXX, the same exact day, within HOURS of taking the money from my account, canceled the payment and issued a refund. I see the refund against my account in name only. The pending refund is NOT being included in my available balance BECAUSE IT IS PENDING but the withdrawal that is pending IS against my available balance! 

I have called them back to ask about this and they said because the refund is pending it won't be included in my available balance. But the withdrawal IS! So here I am screwed out of my own money!! I now have to frantically figure out how to get my kids from school!!
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, 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. (NC)

I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company reported a debt that I do not recognize. I also. see multiple inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unknown phone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. Unknown address XXXX XXXX, XXXX XXXX, MD XXXX. XXXX XXXX, XXXX, MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Consumer complaint received 2022-09-09
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-06
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: EQUIFAX, INC. (SC)

Please remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (AZ)

I opened an online savings account on XX/XX/2023 in the amount of {$50.00}. 

This was the second savings account I have opened. 

A week later, Truist bank locked my online account access. 

I called the number provided and spoke with several people. 

They told me I would have to travel 2,000 miles from my home to close the newly opened savings account. 

RESOLUTION Change policy and procedures to best reflect online banking and not have a customer travel outside her home/state to do business. 

This defeats the purpose of online banking.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Capital One Customer Service, I am writing to bring to your attention a series of concerning and, in my view, unlawful actions taken by Capital One regarding an account that has negatively impacted my credit history. I believe that Capital One has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Failure to Notify Statute of Limitation Expiry : I have recently discovered that Capital One has been reporting an account, ending in # XXXX, as an outstanding debt that I Allegedly owe. However, the statute of limitations on this account has expired, and Capital One failed to notify me of this fact. This action violates the FCRA, which requires creditors to report accurate and up-to-date information. 
XXXX. Ignoring FTC Identity Theft Report : I previously submitted an Identity Theft Report to the Federal Trade Commission ( FTC ), reporting that the aforementioned account is a result of identity theft and does not belong to me. Despite this report, Capital One has continued to pursue collection activities and report the debt as if it were valid. This disregard for the FTC Identity Theft Report violates the FCRA and FDCPA. 
3. Failure to Provide Contact with My Signature : Capital One has failed to provide adequate verification of the debt in question, including the absence of a signed agreement or any other form of documentation bearing my signature. This omission raises serious doubts about the legitimacy of the debt and violates the FDCPA.

4. Unauthorized Reinstatement of Reporting : I also observed that this account stopped reporting at one point but was inexplicably reinstated without any explanation or notification from Capital One. This action raises questions about the accuracy and integrity of Capital Ones credit reporting practices, which is a violation of the FCRA. 

I demand an immediate and thorough investigation into these violations and the removal of the disputed account from my credit reports. It is imperative that Capital One rectifies these matters promptly to avoid legal action. I am prepared to pursue all legal remedies available to me if these issues are not addressed satisfactorily within a reasonable timeframe. 

I kindly request that you provide a written response to this complaint within 30 days, outlining the steps Capital One will take to rectify these violations. Failure to do so will leave me with no choice but to escalate this matter through legal channels. 

I refuse to pay this debt that does NOT belong to me. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (RI)

I made a payment for my student loan, which posted on XX/XX/XXXX. However, Mohela is not crediting the payment and attempting to charge me a second time on XX/XX/XXXX. I have attempted to contact them through messaging on their website and received no response. I tried to call them but the wait time is ~2 hours.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

Comenity is repeatedly calling me to collect on a debt. They call me repeatedly all day long starting at XXXX. On XX/XX/XXXX they called me 9 times and XX/XX/XXXX XXXX times!!!! I feel like I am being harassed at this point. I have kept a log since XX/XX/XXXX. The following is a list of dates and times that I received a call from them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX  : {$8400.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-08
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: EQUIFAX, INC. (IL)

Subject : Request for Comprehensive Re-Investigation and Clarification - Complaint ID XXXX Dear Equifax Dispute Resolution Department , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and subsequent amendments under the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting a comprehensive re-investigation concerning the previously filed complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal. 
* Adverse Accounts Verification : * The purported verification of the XXXX XXXX XXXX account is lacking in substantive evidence. I hereby request a detailed disclosure of the verification process, including the name and contact information of the furnisher pursuant to Section 611 ( a ) ( 7 ) of the FCRA. 
* Trade Modifications Clarity : * The modifications on the XXXX XXXXXXXX XXXX trade are ambiguous. I demand a complete breakdown of all modifications, including payment history, account status, and balance, in accordance with the Truth in Lending Act ( TILA ).

* Non-Reporting Disputes Confirmation : * I seek a formal written confirmation regarding the removal or non-reporting status of the disputed trades with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 
I expect a human-reviewed, detailed response that addresses each concern explicitly. Failure to provide a satisfactory response within the stipulated 15-day period as outlined in the FCRA may compel me to seek legal recourse to ensure the accuracy and fairness of my credit report. 
Yours sincerely, XXXX XXXX
Consumer complaint received 2023-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (AE)

This unethical scam of a bank in XXXX called XXXXXXXX XXXX opened an account fraudulently and has been harassing me for almost a year and a half. They have stolen my social security number, XXXX shared it with several other companies and have been reporting false information to the credit Bureaus. They reached out to me after they stole my personal information and now claim I owe nearly {$5000.00}. It is the only negative mark on my credit report. They stole my identity. This is absolutely unacceptable.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

On 08/10/23, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (GA)

I contacted the company AVANT back in XXXX of 2023 in regard to some charges that I found on the account. I was not aware of the charges because I did not see the statement. When I attempted to make a purchase and it was declined I called and heard the balance and realized that the amount was incorrect. I immediately reached out to the company to file a dispute ( claim # XXXX ). I then kept in contact with the company to get updates. I spoke with an agent that took information from me as there were charges that I did make because the card was stored online. The agent took those charges and confirmed the charges that I did not make and submitted the request. In between this time I received XXXX phone calls in regard to the purchases being disputed and was advised that they were submitted in error. I was advised that I did not need to remake payments as they would get their funds back. I then called back because I needed a letter to provide to my trash company because they closed my account due to the dispute and was advised that they could send XXXX and the dispute continued. I then received an alert that my statement was available and so I checked the amount due when I noticed that the amount had changed I reached out to find out that the dispute was denied because the charges looked like " regular charges ''! I am not exactly sure what that means but I have never used the card or any card that I have to make the kinds of purchases that were made. I keep getting the runaround and being told that it would be escalated when in fact it was stated that this was the final decision due to the chip being used, that would happen if someone has the card. I did not make the charges that they were attempting to force me to be responsible for. This is going to ruin my credit and they are refusing to investigate properly and assist me.
Consumer complaint received 2023-10-10
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. (MO)

I am filing this complaint against the credit reporting agencies ( CRAs ) XXXX and Experian for their failure to conduct a proper investigation regarding an inaccurate account reported on my credit profile, which has significantly impacted my financial wellbeing. 

Over the past two years, I have disputed the incorrect account information more than eight times with both XXXX and Experian. Despite my numerous disputes, the CRAs have repeatedly verified the inaccurate information without conducting a thorough investigation. 

I contacted XXXX XXXX, who confirmed that they have not reported any account under my name since 2019. Additionally, I spoke with the original grantor of the account, XXXX XXXX, who verified that the account has a XXXX dollar balance and is marked as settled. Despite providing this information in my disputes, XXXX and Experian have failed to correct the inaccuracies on my credit report. 

The continuous reporting of this incorrect account information has drastically lowered my credit score, leading to higher bills, an inability to secure loans, and other financial hardships that have adversely affected my quality of life. 

I am requesting the CFPB 's intervention to ensure that XXXX and Experian conduct a thorough and proper investigation into my disputes and correct the inaccurate account information on my credit report. I am willing to provide any further documentation or information necessary for the resolution of this complaint. 

I appreciate your prompt attention to this serious matter.