davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Subject : Dispute of Inaccurate Reporting on XXXX XXXX XXXX Accounts I am filing this complaint to dispute inaccurate credit reporting related to my accounts with XXXX XXXX XXXX . The details of the accounts are as follows : - Experian Account Number : XXXX ( Reported by XXXX XXXX XXXX ) - XXXX Account Number : XXXX ( Reported by XXXX XXXX ) I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : - I have submitted requests for validation of the debt and verification of the accuracy of the information being reported on these accounts. 
- Both Experian and XXXX continue to report inaccurate information regarding these accounts despite my efforts to dispute the data. 
- The information being reported by XXXX XXXX XXXX to both Experian and XXXX is inconsistent and appears to be incorrect. 

This inaccurate reporting has caused significant negative impacts on my credit score and overall creditworthiness. I am requesting the CFPBs assistance to ensure that XXXX XXXX XXXX and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and either provide proper validation of the accounts or remove them from my credit reports.
Consumer complaint received 2024-08-15
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. (KY)

This is my second-time requesting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

To Whom It May Concern, I'm writing to dispute personal information appearing on my credit report maintained by you bureau. Upon viewing my credit report, I noticed discrepancies in the personal Information section, which I believe inaccurate. 

I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to The Fair Credit Reporting Act ( FCRA ), I have the right to report inaccurate or incomplete information on my credit report. I'm requesting that you promptly remove or correct any inaccurate information from my credit report. Enclosed with this letter are copies of documents that verify my correct personal information, including a government issued identification card and any other supporting documents. 

By the revisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditors who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this investigation in 30 days of receipt of this letter. According to the act, Act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months. 

Sincerely,
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-02
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. (PA)

XXXX XXXX XXXX {$380.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

15 USC 1681i ( 5 ) ( 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-10-01
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 am filing this complaint regarding XXXX XXXX XXXXXXXX 's failure to correct an error on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies and furnishers of credit information, like XXXX XXXX XXXX are required to ensure that the information they report is accurate and to correct any errors in a timely manner. 

I previously disputed a late payment, and the payment for XXXX was corrected by XXXX XXXX XXXXXXXX. However, as can be seen in the attached image, this correction was reversed, and the late payment was re-added to my report. 

Despite my efforts to resolve this issue directly with XXXX  XXXX XXXX, they have failed to meet their obligations under the FCRA to accurately update my payment history. I request that the CFPB intervene to ensure that XXXX XXXX XXXX complies with the law and corrects this error. 

Thank you for your assistance.
Consumer complaint received 2024-08-15
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Last month in XXXX I mailed Experian multiple disputes letter with my name, address, and a copy of my social security attached regarding the inaccuracy of my credit reporting profile. However, Experian refused to process my dispute at all. Instead, Experian sent me a stall letter saying they don't believe the dispute is coming from me, and therefore, deemed the dispute suspicious.
Consumer complaint received 2024-10-01
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)

When the data breach happened in XX/XX/XXXX I noticed my credit went from XXXX to XXXX, I saw accounts that said authorized user that were never on my report before. I contacted XXXX XXXX  they issued a letter and an email stating they removed me from the persons account XX/XX/XXXX however Experian keeps putting it on my credit with the documentation from XXXX and they keep putting back on. I dont understand how else to prove its not my account.
Consumer complaint received 2024-10-01
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

This account XXXX XXXX, that is reporting on my credit report should not be reporting. This account has been paid in full. Below is the documentation showing that it was paid in full. And it's still recording on my credit report as a negative item. The Account number is XXXX this account is violating. My consumer rights is causing me a big detrimental to my financial life
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

On XX/XX/year>2024, I wrote to Equifax, XXXX and XXXX to dispute inaccurate information on my credit report. Equifax, XXXX and XXXX failed to investigate and provide investigation results for the following accounts within 30 days as allotted by law : XXXX. XXXX XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX XXXX, missing data : XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, missing data : XXXX. XXXX  XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX. XXXX Inaccurate Reporting, missing data According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information contained in consumer reports. The inaccurate information related to the above referenced accounts violates this standard of accuracy. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when disputed information is found to be inaccurate or can not be verified, the credit bureau must delete or modify the incorrect information.
Consumer complaint received 2024-10-01
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. (OH)

Dear CFPB, I am writing to file a formal complaint regarding identity theft, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I have attached my FTC Identity Theft Report, along with my identification documents, for verification. 

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal and blocking of the following fraudulent accounts and inquiries from my credit report : Unauthorized Inquiry XXXX XXXX  Date of Inquiry : XX/XX/year> Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

I request that all fraudulent information be blocked and removed as per FCRA 605B. Please provide me with an updated copy of my credit report once these corrections have been made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Identification Documents
Consumer complaint received 2024-10-01
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

A false account statement with letter was made at a subsidiary of this XXXX XXXX XXXX unit facility in XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX received a DEFAULT NOTICE on XX/XX/year> stating I have a unit # XXXX With an itemized statement as follows : DATE OF CHARGE XXXX {$77.00} XXXX {$77.00} XXXX {$20.00} XXXX {$100.00} XXXX {$22.00} XXXX {$22.00} TOTAL AMOUNT {$310.00} I called ( XXXX ) XXXX to ask who the Manager of the Facility was, and nobody answers. I do not have a lease with that address. I have a lease agreement at a different storage location that goes under a similar name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX I signed up online https : XXXX for a climate-controlled unit. The company had a false advertising for the climate-controlled unit listed, and my reserved unit was then rectified to be moved from the outside unit into a climate-controlled unit, that I currently lease. It started at unit XXXX ( the falsely advertised unit for climate control online ) then XXXX moved me to unit XXXX within minutes where I utilized the unit until I needed to upgrade the unit to a larger room, unit XXXX, in which happened in XXXX around the same time my credit card got a fraudulent charge on the credit card ending in XXXX I used twice before for a truck rental that Midgard offered but was not authorized for anything further with that card. Oddly, around this same time of the fraud attack to my credit card in the month of XXXX, the unit that I currently pay for ( XXXX ) air conditioning failed and was down for weeks, where some of my high-tech equipment suffered damages. I have paid my lease on time, and I do not have an account with this subsidiary looking so-called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( dba ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX can verify my only lease agreement at the facility she manages as she currently lives upstairs of the office building. She is the XXXX who moved my unit from the outside to the inside climate-controlled unit. I brought this matte to her attention and showed her the false statement NOTICE letter, and she said just ignore it and I do not owe any money. I called the ( XXXX ) XXXX and demanded to speak to the manager only to be met with a clerk that stated she would investigate the matter. The false statement debt was then sold to a collection agency and warded against my credit.
Consumer complaint received 2024-10-24
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 2024-07-31
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-24
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. (TX)

RE : You violated the United States code law ( TILA ) 15 U.S .CODE 1666 ( b ) charge error ). Upon checking a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. ( 4 ) The creditor inability of truthfully depict an obligation payment or credit that was given to the debtor on a statement. ( 5 ) A computation error or other similar accounting error on a creditor 's statement. Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX  : ACCOUNT # XXXX... 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX  : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX  : ACCOUNT # XXXX ...
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I contested the inaccurate info such as inaccurate amounts /late payments/ wrong addresses/phone numbers/ amounts owed ; on my credit report and they failed to resolve the issues so now Im filling out a complaint form with you guys and if this does not work then I will pursue litigation against them.
Consumer complaint received 2024-08-15
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. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (FL)

This message is to highlight concerns with my credit report, such as incorrect account records, a collection I do not recognize, unauthorized inquiries, and inaccurate reporting. I am seeking your help to address these issues and protect my financial well-being.
Consumer complaint received 2024-07-31
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-31
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.