davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX FL XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general XXXX person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX, FL XXXX
Consumer complaint received 2024-11-24
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. (GA)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of accounts on my credit report by the three major credit bureaus : XXXX, TransUnion, and XXXX. I believe that these reports contain accounts that do not belong to me, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my efforts to resolve this matter directly with the credit agencies, including multiple requests for debt validation, I have not received any satisfactory responses or documentation confirming the legitimacy of the disputed accounts. As a result, I am reaching out to you for assistance in rectifying this situation. 

On XX/XX/XXXX and XX/XX/XXXX dates of my communications with the credit bureaus ], I submitted requests to each of the credit agencies, asking them to validate the accounts that I believe are erroneously attributed to me. I provided all necessary information and documentation to support my claim ; however, I have not received the required debt validation reports, nor have I seen any action taken to remove these inaccurate accounts from my credit file. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I am requesting that the credit bureaus provide a wet signature or original documentation as proof of debt validation for the disputed accounts. A wet signature is crucial to verify the authenticity and accuracy of the claims against me, and I believe it is my right to request such proof under the FCRA. The absence of a wet signature or valid documentation should lead to the immediate removal of these accounts from my credit report.

The presence of these accounts on my credit report is adversely affecting my credit score and overall financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that my rights are upheld by the credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-16
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 have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2024-08-16
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)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Accounts opened using my personal information that are not mine. 
XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXXXXXX XXXX  XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX Open Date : XX/XX/XXXX ( Balance {$1100.00} ) XXXX XXXXXXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$710.00} ) XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX # : XXXX Open Date : XX/XX/XXXX ( Balance : {$870.00} ) XXXX XXXX XXXXXXXX Account XXXX : XXXX Open Date : XX/XX/XXXX ( Balance : XXXX ) False Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX False Personal Information XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2024-08-16
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)

I have sent a dispute to this company in XXXX and in XXXX and received no response from the credit bureau. I contacted some of these companies directly and they have removed the account off my credit report and closed the accounts that do not belong to me. I sent this information along to the credit bureau and they refuse to remove it off my credit reports. I also sent a dispute back in XXXX all via mail and receive no response or updates from the credit bureau. They are reporting incorrect information that they refuse to remove and this is a violation of my rights.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MS)

I am unaware of this debt I did not have the opportunity to dispute this information .... I did not receive proper notification... if in fact you believe that you sent me proper notice please send me the certified receipt with my signature on it stating that I received it
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am writing this letter to formally request that XXXX XXXX XXXXPortfolio Recovery Associates cease and desist all collection activities on the alleged account associated with XXXX XXXX XXXX XXXX XXXX Your failure to provide documentation that establishes the delivery of a written notice of collection to me is a violation of the Fair Debt Collection Practices Act ( FDCPA ). According to Daugherty V. convergent Outsourcing inc, 836 F.3d 507 ( 5th Cir. 2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.

Furthermore, upon disputing the validity of the aforementioned account, I request that you provide evidence demonstrating that the credit reporting agencies were notified of the dispute. Contrary to the requirements under the FDCPA, there are no records on my consumer report indicating that the credit reporting agencies were apprised of this dispute by XXXX XXXX XXXXPortfolio Recovery Associates . According to 15 U.S.C 1692e ( 8 ), you must have notified them when this account was disputed. As outlined in XXXX XXXX Portfolio Recovery Associates LLC, this is a costly mistake that your company has made in the past. was already made. 

As a result, I demand that XXXX XXXX XXXX/Portfolio Recovery Associates immediately cease all collection efforts related to this alleged debt. I'll have no leave me no choice but to take legal action to address these violations of debt collection regulations.
Consumer complaint received 2024-08-16
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. (NY)

According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please review these accounts for any violations of the fair credit reporting act. 

1. ( XXXX XXXX account number XXXX ) 2. ( XXXX  XXXX account number XXXX ) XXXX. ( XXXX  XXXX Account number XXXX ) 4. ( XXXX Account Number XXXX ) I would like these accounts removed if no evidence is provided that I was notified 21 days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or CAIVRS. ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NY)

I am filing a complaint regarding LexisNexis for reporting incorrect information on my consumer report and failing to properly investigate and correct the disputed items. Despite following the formal dispute process under the Fair Credit Reporting Act ( FCRA ), LexisNexis has continued to report inaccurate information, which has negatively impacted my credit profile. 
Details of the Complaint : 1. Incorrect Personal Information : Multiple incorrect variations of my name, date of birth, addresses, phone numbers, and email addresses are being reported on my consumer file. I have provided LexisNexis with my correct information and formally disputed the inaccuracies, yet these errors remain unresolved.

2. Failure to Properly Investigate : LexisNexis failed to conduct a reasonable investigation into my disputes as required by law under 15 U.S.C. 1681i. This failure has led to the continued reporting of false information, which is a violation of my rights under the FCRA.

3. Inaccurate Account Information : An account that I have disputed due to inaccuracies continues to be reported on my file. LexisNexis has not deleted or corrected this information, even though it can not be verified as accurate.

Impact : The inaccurate reporting has caused significant harm to my credit profile, affecting my ability to obtain credit, and has led to unwarranted stress and financial hardship. I believe LexisNexis violates the FCRA, specifically 15 U.S. Code 1681e ( b ) - Accuracy of Report.

Request for Resolution : I am requesting the CFPBs assistance in ensuring that LexisNexis fulfills its obligations under the FCRA by : 1. Correcting or deleting my consumer report 's inaccurate personal and account information.

2. Conducting a thorough and reasonable investigation into my dispute.

3. Provide me with an updated copy of my consumer report reflecting the accurate information.

I expect a swift resolution to this matter to prevent further damage to my credit standing and financial well-being.

I have provided the necessary documentation to verify my identity, as outlined below : A copy of my Driver 's license, a copy of my Social Security, a copy of my Birth Certificate, A copy of a recent Utility bill, and a copy of the dispute letter.
Consumer complaint received 2024-08-16
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. (GA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-16
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 am writing in response to your recent communication indicating that the disputed account has been " verified. '' Upon reviewing the updated report, I have found significant errors that remain uncorrected, particularly in the " Date of Last Activity, '' " Date Reported, '' " Date Opened, '' and " Account Status '' fields. 

These inaccuracies suggest that the verification process was not conducted thoroughly, and I request that you reinvestigate these discrepancies. If you can not provide accurate and verifiable information, I demand that this account be corrected or removed from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (IL)

I wrote a letter disputing the following information that Lexia Nexis was furnishing to the credit agencies as inaccurate that appears on my XXXX, XXXX, and XXXX report which shows, my student loans servicer : Department of EducationXXXX XXXX Three of my student loans with XXXX accounts are being reported inaccurately. 

The status of the loans states : included in a bankruptcy. I have NOT filed bankruptcy against my student loans. This information is inaccurate, all my federal student loans have been forgotten under the PSLF program. I have worked in the public sector for more than 10 years and have made more than 120 payments. I have attached the letter from XXXX with the facts. 

According to the FCRA 15 US 1681e ( b ) Accuracy of report 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.

15 US 1681 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 


Please update the status of all my student loans to read paid- in full, and remove include in a bankruptcy these accounts from my credit report relating to the documentation that has been presented.
Consumer complaint received 2024-08-18
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)

I am a victim of identity theft. I am writing to request that you block the following inquiries from my credit report. Someone has used my personal information. I also have no knowledge of any suspects, please block.
Consumer complaint received 2024-08-16
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. (NY)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2024-08-16
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$8200.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00}