davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (FL)

the credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i he 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 due to these violations of my rights i have been denied use of my va home loan for years and have dealt with constant XXXX even at this point. it has caused me a lot of grief and pain and cost my marriage. the amount of damage that has been caused due to violation of my rights cant be accounted for
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-19
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. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX account Account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I looked at my XXXX Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate according to the 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 USC 1681 ( e ) ( b ) According to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under investigation under paragraph ( 1 ) of any information disputed.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX I made a dispute on the Experian app stating that I have not missed a payment for the month of XXXX. Experian took Four days which was on XX/XX/XXXX to dismiss the case and they deleted XXXX off my credit report and now I have XXXX credit for Experian, due to that I can not open a new credit line, please help!!
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I've been informed that Experian does not have my credit history and that I will not be approved for a personal loan. Credit cards and other lenders are not disclosing my credit history, according to Experian. Since my credit history with XXXX and XXXX includes credit cards, mortgages, auto loans, and personal loans, this doesn't make sense to me. Since1990, I have had credit without any problems. Experian requested that I phone each of my creditors to ask that they send credit history to Experian. However, they have not given a justification for why this is taking place, and I am unable to get any responses. Furthermore, Experian only permits disputing inaccurate information, fraud, and personal information ; but, since I lack a credit history not the fault of my own, I am unable to dispute the absence of credit history. Although creditors claim to be delivering credit histories, no one seems to be taking responsibility for resolving issues regarding the absence of credit reporting. Do I have a legal right to a credit history at each of the threXXXX bureaus?
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (PA)

I sent a letter out XX/XX/XXXX to Experian.Here is my tracking number XXXX However its been more then XXXX days and the credit bureaus failed to send my investigation back.this is not making sense The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2024-08-29
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)

I

am filing this complaint because my identity was used to open multiple accounts fraudulently without my consent. Despite taking immediate action by notifying the credit bureaus and providing them with a copy of my FTC Identity Theft Report, these fraudulent accounts and the associated debts continue to appear on my credit report. These unauthorized accounts are negatively affecting my credit score and causing significant stress and financial harm. The credit reporting agencies have failed to remove these fraudulent accounts, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit bureaus are required to conduct a thorough investigation and promptly remove any inaccurate or fraudulent information from consumer credit reports.
Consumer complaint received 2022-09-25
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX XXXXXXXX XXXX, I sent several EXPERIAN executives a registered email with a signed and sworn Notice of Demand by Affidavit demanding that EXPERIAN removes all negative items from my credit report, including all hard inquiries and late payments within 24 hrs of notice. I never gave EXPERIAN permission to furnish my private transaction information, let alone create a credit report using my social security information. 

I have let them know they are violating several federal laws. They have yet to comply with my demands. 


" I, XXXX XXXX XXXX, a natural person, federally protected consumer and beneficiary of the Social Security Account XXXX XXXX, am writing in regards to the XXXX Credit Report bearing my corporate name, XXXX XXXX, and Social Security account information. 

I hereby state under oath and under penalty of perjury, that the following facts are true, correct and not misleading : 1. I have never given my written consent for XXXX to furnish my private transaction history. ( 15 USC 1681b ( 2 ) ) ( 18 USC 1028A ) 2. I never gave XXXX the authority to create a credit report in my name. ( 18 USC 1028 ) ( 18 USC 1028A ) 3. XXXX has been profiting off of my name and private transaction history without my authority. ( 18 USC 1028 ) ( 18 USC 1028A ) ( 18 USC 215 ) ( 18 USC 1963 ) 4. XXXX is engaged in a conspiracy to restrain my commercial activity by limiting access to my own credit. ( 15 USC 1 ) 5. XXXX has caused considerable injury, damage and harm towards me. 

It is hereby declared that XXXX is committing several federal crimes against me. 

Wherefore, I demand that every single negative item, including late payments and hard inquiries, be removed from my report within 24 hours of this notice. "
Consumer complaint received 2024-08-29
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)

I am disputing XXXX XXXX XXXX account number XXXX. Under the Fair Debt collection Practices Act ( FDCPA ), I have requested purchase agreement validation of the debt they said I owed, numerous times. A requested purchase agreement is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested that your offices provide me with competent evidence that I have any legal obligation to pay, which they have failed multiple after this request. 

In addition, XXXX XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality : 15 U.S.C 1681 section 602 A. I have the right to privacy.

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. 

At this time, I will also inform you that if XXXX XXXX XXXX continues to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX XXXX ), this action will constitute fraud under both federal and state laws.
Consumer complaint received 2023-03-23
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-27
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. (DE)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-21
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-29
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 am filing this complaint because several fraudulent accounts remain on my credit report despite my efforts to have them removed. I have already filed an FTC Identity Theft Report regarding these accounts, but they continue to appear on my report, causing significant harm to my credit. 

These accounts were fraudulently opened in my name without my consent or knowledge. Despite submitting the FTC Identity Theft Report and notifying the credit bureaus, these fraudulent accounts have not been removed. This ongoing issue is severely impacting my ability to rent an apartment for my children, as my credit report is being unfairly tarnished by these fraudulent accounts.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, XXXX for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to XXXX, Equifax, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from XXXX, Equifax, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, Equifax, XXXX. 
I believe that XXXX, Equifax, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, Equifax, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, this is so distressing, It's been months now that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2022-09-27
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. (MI)

Nothing but problems trying to dispute or follow-up on outdated or incorrect listings on my credit report, since XXXX. The website is down or broken half the time. They removed their 'Chat ' feature, where you could instantly converse with a licensed agent about problems with your report. Instant repetitious errors, when clicking into an incorrect item, telling you " sorry, but this has already been disputed. Can not investigate at this time '' nonsense. More than a dozen items found on my current report that are duplicated, outdated, or grossly incorrect, that I've been unable to update, because of their garbage website. Nobody is at the wheel. I've already filed three ( 3 ) separate, recent complaints against them, to the XXXX. And received the following email response - that I needed to " call the XXXX XXXX XXXX  XXXX. '' Which I did. And the SAME response - They couldn't help me. Nothing but ludicrous runaround. Well, I checked into this, and discovered there are several pending lawsuits against Experian for 'abandonment ' over their deliberate lack of follow-up with, or disregard for Consumer information/ concerns. 

You appear to be my last hope, in getting matters with my personal credit report, corrected/repaired. My score in XX/XX/XXXX was at XXXX. Now six ( 6 ) months later, it's at XXXX, because of these errors. 

Thank you in advance, for your assistance!
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX High Balance : {$9400.00} Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$2000.00}