davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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: Weltman, Weinberg & Reis Co., L.P.A. (NJ)

I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears to be inaccurate and unverifiable. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section 611 ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the credit reporting agency must remove the disputed information.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-10-05
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)

When I investigated my credit report, I realized that some of the information was erroneous.The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2019-07-31
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: SYNCHRONY FINANCIAL (CA)

Early this year I found out about a fraudulent transaction on my credit report. I contacted the merchant and was promised to get it resolved but nothing was done for over 3 months. 

The relevant account information on my credit report is as follows : SYNCB/Paypal Extras MC Acct XXXX Date open : XXXX Credit Limit : {$300.00} Charge-Off : {$770.00} ( XX/XX/18 ) Sold to XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Consumer complaint received 2024-10-05
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. (SC)

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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 2024-10-05
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)

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 2024-10-05
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)

iam a victim of identity theft and i disputed my accounts and requested contracts from them and signatures and no response from them and they removed them and i have XXXX accounts that were back without even contacting me or sending me a notice or anything like it doesn't even concern me and this is violating my rights as of 15 U.S Code 1692g violations of debts 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 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY Of the information RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate and these are the accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-13
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)

XXXX XXXX XXXX XXXX is a loan that has been reporting since XX/XX/XXXX. California Statute of Limitations is 4 years and its still reporting. Experian refuses to remove account.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Financial Protection Bureau RE : Complaint against Equifax for failing to remove inquiries from credit report To whom it may concern, I am writing to file a complaint against Equifax credit reporting agency. 

My name is XXXX XXXX and inaccurate inquiries remain on my Equifax credit report despite providing documentation to prove they are not mine. 

In XX/XX/year>, I discovered multiple inquiries on my Equifax credit report from lenders I did not apply with. Believing this to be identity theft, I immediately filed an identity theft report with the FTC. I also sent Equifax copies of this FTC report, a signed affidavit disputing the inquiries, a copy of my driver 's license for verification of my identity, and express mailed these documents requesting the inquiries be removed. 

It has now been over months and Equifax has failed to remove the inaccurate inquiries from my credit report as required. I have called on multiple occasions and submitted online disputes but no changes have been made. These inquiries are lowering my credit score and impacting my ability to obtain credit. 

I feel Equifax has violated the Fair Credit Reporting Act by not conducting a reasonable investigation and failing to remove the disputed inquiries. I request the CFPB conduct an investigation into this matter and require Equifax to remove the inaccurate inquiries. 

Please advise on next steps. All documentation and correspondence can be provided. I appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-05
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. (IL)

I am filing this complaint against Experian for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite providing a police report and FTC Identity Theft Report, Experian has failed to remove fraudulent accounts and has re-inserted a previously deleted account, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2.

Violations : 1. Failure to Block Fraudulent Accounts in Violation of 15 U.S. Code 1681c-2Under 15 U.S. Code 1681c-2, Experian must block the reporting of fraudulent information within 4 business days of receiving my identity theft documentation. Despite receiving both my police report and FTC report, the following fraudulent account remains on my report : * XXXX XXXX  Account XXXX  : XXXX - XXXX : {$1700.00}, Opened : XXXX XXXX. Re-Insertion of Fraudulent Account in Violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Experian has unlawfully re-inserted a previously removed fraudulent account without following the proper certification process or notifying me as required by law : * XXXX XXXX XXXX XXXX Account # : XXXX - Balance : {$800.00}, Opened : XXXX This violates 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which prohibits the re-insertion of any information into a consumers file unless the reporting agency certifies its accuracy and informs the consumer. I received no such certification or notice, and this fraudulent account has severely damaged my credit.

3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer ReportsExperian continues to furnish my credit report to third parties, such as Clarity Services , Inc., without my written consent, in violation of 15 U.S. Code 1681b. I did not authorize the reporting of the above fraudulent accounts, and this constitutes identity theft. Reporting these accounts without my written consent is a direct violation of federal law.

4. Failure to Block Fraudulent InquiryExperian has also failed to remove a fraudulent hard inquiry on my report, despite clear evidence of identity theft : * XXXX  XXXX XXXX Inquiry dated XX/XX/year> XXXX. Failure to Provide Physical Verification as Required by FCRA Section 609 ( a ) ( 1 ) ( A ) Per FCRA Section 609 ( a ) ( 1 ) ( A ), Experian must provide physical verification of the original signed consumer contract for any account listed on my report. Experian has failed to provide verifiable proof for the above accounts and the inquiry, and as such, they must be deleted immediately.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

XXXX XXXX Promised to fix mine and my mothers credit. They said they had 7 negative item removed but as far as I see what they said they have removed it was still showing on my report I contacted them and asked for my refund due to no improvements and no delivery of services promised. They tricked me into resigning up promising they will do better this time. But they havent put one foot into fixing credit as of now.
Consumer complaint received 2018-08-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc. (MD)

Dyck-O'Neal, Inc. filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. 

The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims.

I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over

1000 fraudulent debt collection cases. I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and
the subsequent actions filed by DYCK using obvious fraud documents.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

They do not want to send me my reports even though I have sent all my documents and evidence from the court that I do not owe anything, nor do they want to correct the report. When I called and asked for a supervisor, she responded by hanging up the call. I did a chapter XXXX on XX/XX/year> was release. They know that because they already have the information that I sent them trhough certified mail several times.
Consumer complaint received 2024-10-05
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 recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. Please remove these fraudulent accounts from my report. 
I have included documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. 
Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in 4 business days of receipt. Thank you in advance and I appreciate your prompt attention on this matter. I await your reply.
Consumer complaint received 2024-10-05
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)

On XXXX XXXX, 2024 Experian received a letter from me, via USPS ( tracking XXXX : XXXX ), disputing information on my Experian report. That letter is attached to this complaint as well. On XXXX XXXX, 2024, Experian gave me an update of the XXXX XXXX XXXX XXXX account in dispute by my Experian account on XXXX. The update stated " The incorrect account with XXXX XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. '' I have attached this statement to this complaint. Experian has stated the account is incorrect but will not delete the incorrect account from my Experian credit report. Experian is purposely not following the rules stated in the Fair Credit Reporting Act. CFPB please hold Experian accountable.
Consumer complaint received 2024-08-27
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached.

There seems to have been a clerical error in reporting the payment.

Additionally, there is no record of any outstanding balance or missed payment based on my financial documentation. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that, Experian credit reporting agency , delete the listed below information appearing on my consumer credit report that is the result of identity theft and fraud immediately from the time of receiving this complaint. These fraudulent, inaccurate, and false information consists of the following inquiries listed below. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These several fraudulent hard inquiries appearing on my consumer XXXX credit report resulting in hardship due to the inaccurate information reporting on my credit file. I do not recognize any of these hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX  complaint ( uploaded ), Police Report ( XXXX ) FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer hard inquiries are the result of identity theft and fraud. Also, I included proof of my identity, address and social security number for verification purposes.
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (WA)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
RESIDENT VERIFY - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I looked at my report back on XXXX and noticed my personal information was incorrect. I had multiple variations of my first name and last name and my address. i sent a letter to experian, XXXX, and XXXX on XX/XX/XXXX to investigate this but they still haven't fixed the problem. 


I dont know what to do. Can you look into this matter. 

Remove my personal information.
Consumer complaint received 2024-10-05
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX