davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
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. (AR)

A few months ago upon reviewing recent copies of my credit report, I realized that my identity had been compromised and I have become a victim of identity theft. I immediately notified the three major credit bureaus XXXX, XXXX, and Equifax. I sent out numerous dispute letters along with supporting documentation. I recently submitted an identity theft report from the Federal Trade Commission which included some of the Fraudulent accounts in question. In addition I attached a copy of my drivers license, social security card, and a utility bill. After noticing fraudulent personal information listed on my report, I submitted and updated personal information request to remove all fraudulent outdated information including incorrect or wrong names, phone numbers, addresses, and etc. I have yet to receive any verification from XXXX  in regards to my dispute and it has been well beyond the 30 day time frame allotted under the Fair Credit Report. XXXX  has violated section 605b, 609, and 611 under the Fair Credit Reporting act and should be held accountable.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1992 Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a matter of utmost importance that has had a profound and distressing impact on my life. I kindly request your assistance in enforcing my legal rights and seeking redress for the violations committed by certain creditors. 

Violations : Unauthorized Inquiries : Several creditors, including XXXX and XXXX, have made inquiries into my credit report without my explicit authorization or consent ( Violations of 15 U.S.C. 1681b ( f ) ). I do not recall ever authorizing these inquiries, and I believe they may be in violation of FCRA regulations.

Inaccurate Reporting ( Violation of 15 U.S.C. 1681e ) : XXXX ( Account number : XXXX ) XXXX XXXX has reported information to the credit bureaus that I believe to be inaccurate. This misinformation has cast a shadow over my financial credibility, and I believe it was not properly investigated under FCRA requirements. 
XXXX ( Account number : XXXX ) : XXXX has reported data on my credit report that I strongly suspect to be incorrect. I have reason to believe that this information was not adequately verified ( Violation of 15 U.S.C. 1681e ), and it may contain inaccuracies in terms of payment status, balance, comments, payment history, and account number.

Personal Impact : To underscore the gravity of these violations, allow me to share a personal story of how this situation has affected my life. These inaccuracies and unauthorized inquiries have caused me immense distress, XXXX and frustration. They have jeopardized my ability to secure essential financing for important life events, such as purchasing a home, obtaining favorable interest rates, and accessing credit when needed. The emotional toll this has taken on me is immeasurable, as I have faced sleepless nights, persistent worry, and strained relationships due to this financial uncertainty. 

Request for Resolution : In light of the violations outlined above and the profound impact on my life, I kindly request the following actions : Investigation : I urge the CFPB to initiate a thorough investigation into these violations, ensuring that each creditor complies with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and other relevant consumer protection laws. 

Immediate Removal : I request that the creditors, XXXX XXXXXXXX, XXXX, and XXXX, promptly remove the unverified and inaccurate accounts from my credit report to rectify the damage caused. 

I am grateful for your attention to this matter and your commitment to safeguarding the rights of consumers like myself. Please consider this as an urgent plea for assistance in rectifying these injustices. 

Thank you for your prompt attention to this dispute, and I look forward to a swift resolution that will help restore my financial well-being and peace of mind. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-04
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: I.C. System, Inc. (FL)

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score.  The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # 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
Consumer complaint received 2023-09-06
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # 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
Consumer complaint received 2020-03-04
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: LEXISNEXIS (MD)

In XX/XX/XXXX, I filed chapter XXXX XX/XX/XXXX it was removed after seven years. In XX/XX/XXXX XXXX  put it back on my report under the same docket # as a chapter XXXX. The law is clear under the FCRA. The credit reporting agency has the responsibility to report 100 % accurate, complete, and verifiable information on my report. I sent them proof and they still refused to do so.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (PA)

Today XX/XX/2023, I called the bank to report a " billing error '' under the transferc act that allows me to give the instruction to the bank by phone, written or in person, specifically to open a merchan dispute. 
Trough the customer service, the denied me the right to open the claim saying the system cant send me a text message ( when I always receive from the app ) and also couldnt generate the " veryfication questions '' due the " system ''. They have many options, they asked me my bithday, my phone, address. They didnt proceed with the instruction and also told me that they cant give me an address or fax to open the dispute. Just go to the branch, something is not possible because im not XXXX resident and right now im not in the XXXX. 
So im giving trough here the instruction to open the merchant dispute for these transactions made with my debit card Master ending in XXXX : XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ XXXX  {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX I made those 4 purchases on the store, but they didnt have on stock the smartphones to give it to me at that moment, so they will send it trough XXXX to my home, and must be received on XX/XX/. The order never arrived, and I tried to call them many times to ask about this issue, request the tracking number or have a refund. I cant go to the store in persone because im not on that city any more.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

DISPUTING THIS ALLEGED DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM FORMALLY REQUESTING VALIDATION OF THIS DEBT, AS PER MY RIGHTS GRANTED BY THE FDCPA. UNDER SECTION 809 ( b ). 
I HAVE SENT A CERTIFIED HANDWRITTEN REQUEST TO CHEXSYSTEM FOR THIS DEBT TO BE ACCURATELY VALIDATED WITH DETAILS SHOWING PROOF THAT I OWN THIS DEBT. DOCUMENTS ARE ATTACHED. 

I AM ALSO DISPUTING UNAUTHORIZED REPORTED INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ALSO DISPUTING NAMES AND ADDRESS REPORTED IN MY PERSONAL SECTION OF MY REPORT I REQUEST FOR ONE NAME TO BE REPORTING, AS LISTED : XXXX XXXX I AM REQUESTING FOR ONE ADDRESS TO BE REPORTING, AS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

An XXXX XXXX was reported to my XXXX XXXX on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via XXXX XXXX Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS XXXX Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OK)

I made a wire transfer of {$7200.00} to a wrong person, yesterday XX/XX/2023. I immediately tried to cancel it within 30 minutes but unable to find the option to do so on my online banking. By the time I could reach out to customer service, the fund was already received. I immediately started a claim request. When I called my bank to follow up, I talked to a different staff that informed me once its completed there is absolutely nothing they could do. However, when I mentioned that a different staff told me that we could file a XXXX recall, she changed her mind and transferred me to someone else who has limited knowledge. I was told that they already informed the recipient bank and there is nothing they can do. I have asked for the recipient to refund the money but they are unable to do so and started asking for personal information. From their end, the fund was received but the status said : limit exceeded which can mean it was still on hold. I know I needed to act as soon as possible but when I called my bank, they said they are unable to do anything.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of this year, my bank account was hacked into and two wire transfers were completed. The first was for {$12000.00} and the second was for {$13000.00}. I dont even know how to do a wire transfer. I have the alleged first and last names of the recipients as well as the bank where the money was sent. You can find it at the end of the letter..
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, I had a teen checking account with Wells Fargo Bank in XXXX of 2023. I was underage but running my own, successful cottage business ( baking ). I was suddenly involved in a fraud situation ( several Wells Fargo customers had been victims of the same scammer ) where an individual drained/overdrafted my Wells account by about {$3000.00}. My mother was also named on the account since I was underage. After months of deliberation, we settled with the bank a Wells representative offered us the option to share the responsibility so we made good on the money owed ( about {$1500.00} ) and the representative NEVER suggested that this settlement would cause longer-term problems. But Wells and other institutions have flagged me and my mom through Early Warning Services and not one will let either of us open accounts. This is disastrous for a new college kid with a good and responsible track record. I cant get on my feet without having a basic bank account. We have submitted disputes through Early Warning Services and Wells returns to say they will not overturn the flags. EWS then recommended we reach out to FTC and CFPB in this matter. All I want to do is get back on my feet with a bank account. We are not dishonest people. I pay my bills, work hard and have proven myself to be a successful and responsible individual. Some person took advantage of me and my financial health is compromised simply by way of the inability to open a basic bank account. I am desperately hoping to find help.
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: EQUIFAX, INC. (NC)

I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-06
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. (GA)

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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

Account name : # XXXX Name : XXXX XXXX Account name : # XXXX Name : XXXX XXXX  Account name : # XXXX : XXXX XXXX XXXX Account XXXX : # XXXX : XXXX XXXX XXXX I XXXX XXXX XXXX Transunion report on XX/XX/2024 and noticed somethings are incomplete and not accurate. According to to fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681I 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall - ( i ) promptly delete that item of the information from the file of the consumer or modify that item of information, as appropriate based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

Citigroup announced in XX/XX/XXXXtheir new policy of discriminating against lawful companies who sell legal firearms. I contacted them and advised that I have a Citicard through XXXX and I will not in good conscience continue the use of the card if they are going to continue discriminating against Constitutionally protected commerce activities. They offered no defense of the policy and would not answer if they thought it would likewise be appropriate for a bank to refuse banking services to XXXX or XXXX  companies if they felt it appropriate to discriminate against them. My tax dollars bailed out this bank 8 years ago and they are as such government subsidized.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am sending my CFPB Complaint myself to inform you that I allege that the 3 Credit Bureaus have violated the Fair Credit Reporting Act or FCRA by inaccuarately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit reports immediately. These are the fraudulent items that needs to remove : 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 2023-01-22
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. (MA)

XXXX CARD Account Number : XXXX, XXXX XXXX Account Number : 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