davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$29000.00}.
Consumer complaint received 2024-01-04
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

I purchased a product for {$20.00} and it routed me through Paypal to pay for my purchase. 
I received an email from this company dated XX/XX/XXXX at XXXX XXXX and this is what it says Order Status Changed Online Store Hello XXXX XXXX, The status of your order # XXXX has been changed. 
New Payment Status Cancelled Your order Disinfectant Spray {$20.00} Paypal sent me this Your message was sent to We're sorry you didn't receive your order. 

Your message regarding the purchase you made on XX/XX/2020 for {$20.00} USD has been sent. You need to allow time for the seller to respond. 
They know this is a scam and they are saying allow time for the seller to respond? Paypal is a scam in itself! 
Now the store 's site is saying The Store is Closed Due to the terms of Service Violation.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank approved me for clothing store cards. Was making payments without problem but then feel on a hardship. They call me every day even on Sundays. This morning they called me 3 times from XXXX. They will call from several numbers and a no called ID number. Yesterday XX/XX/23 they called eights times. I feel that is excessive.
Consumer complaint received 2024-01-04
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 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 2024-01-04
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$770.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1600.00}
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent a letter to Equifax regarding previously disputed XXXX XXXX account number****. This account was previously deleted on XX/XX/XXXX ( see attached document ). And when I pulled my new consumer report on XX/XX/XXXX, I see that the previously deleted item was reinserted on my consumer report, but I was not notified in writing within 5 business days that it was reinserted back on my consumer report. As of today, it has been over 30+ days later and I have not received a response yet from Equifax XXXX I feel like I'm being taken advantage of and being ignored by the credit disputes. 

This clearly violates my consumer rights that is protected by FCRA 611 ( A ) ( 5 ) ( B ) ( ii ). Section ( B ) ( ii ) states : Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I demand that this account be DELETED immediately or I will file for ligation due to defamation of character, stress you have caused me and {$1000.00} for each violation that I'm entitled to under 15 U.S.C 1681I.
Consumer complaint received 2024-01-04
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. (AL)

On XX/XX/XXXX XXXX XXXX decided to put a charge off on my credit report that should have been put on there in XXXX. For whatever reason they didn't report any data. So now 5 years later, when i desperately need my credit, they destroyed it on XX/XX/XXXX My score dropped XXXX points. I'm XXXX and I'm on a limited income and that hurt me because now I can't have the credit. My credit card companies lower my borrowing limits when my credit goes down, we didn't get all of the handouts during Covid. We paid our bills and I've always paid every single bill I've ever had and they have listed me as missing a payment. I've never missed a payment, this is the letter I got from their escalation department. I've called and no answer. Why do they need to verify anything?! You and them have my information. I need my credit back so I can survive. I thought you were suppose to help me. please help me
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXXXXXX XXXX XXXX status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
XXXX XXXX  XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Consumer complaint received 2024-02-27
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

The fraudulent accounts in question have not been acknowledged or authorized by me, and their inclusion on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, resulting in fraudulent accounts tarnishing my credit history. It has come to my attention that despite multiple attempts to rectify this situation, the fraudulent accounts continue to be inaccurately reported on my credit file. I find it deeply perplexing that your agency continues to ignore my requests for the removal of these fraudulent accounts. The other credit bureaus have acted diligently in response to my dispute, and I fail to understand why your bureau is not complying with the law and industry standards. 

XXXX XXXX XXXX -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXXXXXX XXXX XXXX .... -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX .... -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

I demand that you promptly conduct a thorough investigation into the matter and take immediate action to remove the fraudulent accounts from my credit report. Failure to do so will leave me with no choice but to escalate this matter by filing a complaint pursuing legal action to ensure my rights under the FCRA are upheld.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Dear CFPB Staff I have an account with XXXX credit reporting company that updates me on my credit score monthly. XXXX also shows the credit score of the other two credit reporting companies such as XXXX and Transunion, but the information appearing on the XXXX website about my credit debt with XXXX and Transunion is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the XXXX website. I have tried to address this issue with XXXX before and nothing has changed. XXXX needs to update its website and communicate with both XXXX and Transunion to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to XXXX Complaint # XXXX and again XXXX did not fix the issue with XXXX.
Consumer complaint received 2021-01-05
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: Experian Information Solutions Inc. (GA)

I received a response from Experian ( XX/XX/XXXX2020 ) where they say they updated the account information for XXXX XXXX XXXX  but ( XX/XX/XXXX ) XXXX  had already told me in writing they no " longer services the above-referenced returned account ''. 15 days before Experian stated they updated their reporting. Then again on XX/XX/XXXX XXXX said in a letter " they have been unable to locate an account ... '' How could Experian have received updated information from a company that no longer had the account? This has to be a violation and while I'm seriously considering sending this to a consumer attorney I want this removed! This is hindering my ability to obtain credit. And XXXX  is no better! When I asked for their method of verification the response was to contact the company providing the information. And the crazy thing is this account has a {$0.00} balance so what are they updating?
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (CA)

On XXXX i sent a dispute to the alleged Debt collector XXXX XXXX and credit reporting agency Experian about inaccurate credit reporting. I requested debt validation on the alleged collections account affecting my credit report, I requested VALIDATION of debt, The sent an itemization of charges which is break down of the alleged charges which by law is NOT considered validation of debt. I requested the initial original agreement from alleged company and or original wet proof of my signature which they did NOT provide. They sent an update on the Experian online portal that the they Verified as of todays date XXXX this alleged debt. They did not send the proof and this is not VALID.Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Experian, XXXX, and XXXX agencies are not in compliance with the Fair Credit Reporting Act 15 U.S. Code 1681s2 What is 15 U.S.C. 1681 a 2 state regulations?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX, Closed Account that has been furnishing false and misleading information to Experian, XXXX, and XXXX is False and inaccurate have disputed this account 3 times with each of these reporting agencies I have sent letters to all 3 Agencies with documents in this matter and this account need to be removed from my consumer reports immediately for inaccuracy of reporting and also reporting pass the statue of limitations this is hurting my credit score a complaint with the Attorney General Office documents will be attached
Consumer complaint received 2024-01-04
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. (CA)

I just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

As you may already know, credit reporting laws mandate that bureaus report only 100 % accurate credit information. Yet, you have included erroneous information on my credit profile, which is a clear violation of the law. I demand that the following information be investigated immediately. I respectfully request that you provide proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. Failing that, these items must be deleted from the report as soon as possible : XXXX XXXX XXXX and XXXX XXXX XXXX. It is outrageous that XXXX and XXXX have already removed this account from their records, yet you continue to report it on my credit profile. Please delete this erroneous information from my file immediatelyI remind you that you are legally obliged to ensure the accuracy of credit reports you publish under the Fair Credit Reporting Act ( FCRA ). Failure to do so will result in serious consequences, and I will not hesitate to take legal action against you. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.