davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$6600.00}
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I placed a fraud alert on my account. Days later Experian lowered my XXXX XXXX by XXXX points, though I have never made a late payment in my entire credit history going back to XXXX  when I first opened up an XXXX XXXX account. My income level has not changed in over 4 years. My retirement income ( not counting social security or my wife 's retirement income ) has remained steady at over {$100000.00} per year and half my retirement income is tax-free. I own a home free and clear worth over XXXX XXXX dollars. I have savings on hand of over {$200000.00}. No new accounts have been opened in my name according to the XXXX credit bureaus. 

I believe my XXXX XXXX with Experian was lowered XXXX points simply because I placed a fraud alert on my account due to various data breaches with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 XXXX Credit Bureau. XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : 1.Credit Collections ( Original Creditor : XXXX XXXX CO ) Account # : XXXX Amount {$440.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ list any relevant documents you are including ]. 
Please ensure that these documents are taken into account during your investigation.

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-23
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. (TN)

Complaint Regarding Violation of FCRA Rights by Experian and XXXX XXXX XXXX XXXX Dear CFPB : I am writing to formally file a complaint against Experian and XXXX XXXX XXXX XXXX for their violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The specifics of this complaint are detailed below. On XX/XX/XXXX I disputed an account reported by XXXX XXXX XXXX XXXX, with the original creditor being XXXX XXXX, on my Experian credit report. The dispute in question was investigated and closed in under 24 hours, which strongly suggests that a proper and thorough investigation was not conducted by Experian, in direct violation of FCRA laws. 
The fact that Experian closed my dispute within 24 hours shows a lack of diligence in their investigation process, as they are required by law to conduct a reasonable investigation under the FCRA. This cursory action disregards my rights as a consumer and violates the obligation of credit reporting agencies to fully investigate disputes. in accordance with 15 U.S.C. 1681i.And a Violation of FCRA ( 15 U.S.C. 1681c ) Re-Aging of Debt : Upon reviewing my credit report obtained from Experian, I found that XXXX XXXX XXXX XXXX failed to report the date of first delinquency as required by law. The first date of delinquency, which should be XX/XX/XXXX, has not been reported. Instead, they listed the account as being opened on XX/XX/XXXX, which constitutes a clear case of re-aging, an illegal practice under the FCRA. This misrepresentation extends the time that the debt remains on my credit report and causes undue harm to my credit score and financial reputation. Due to these violations of my rights as a consumer, I respectfully request the following actions be taken : Immediate deletion of the account reported by XXXX XXXX XXXX XXXX from all 3 of my credit reports. Compensation from both Experian and XXXX XXXX XXXX XXXX for their negligence and violations of federal law, specifically related to my rights under the FCRA. A full investigation into the actions of both parties, including whether Experian has violated its duty to properly investigate disputes and whether XXXX XXXX XXXX XXXX has intentionally engaged in the illegal re-aging of debt. If this matter is not resolved to my satisfaction within a timely manner, I will not hesitate to retain legal counsel to pursue further actions for the willful violations of my rights under the FCRA.Thank you for your time and attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-07-23
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. (LA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-23
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 OF XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX OF 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 : Bank Processing Delay : I made my payment on time, but the delay in processing by Bank XXXX XXXX led to the late payment being recorded. Attached is a copy of the bank statement showing the payment date. The delay was on the part of the bank and not due to any action on my side. 
Discrepancy in Due Date Communication : There was an inconsistency in the due date communication, which I raised with Bank XXXX XXXX. The discrepancy between the statements I received and the payment due date caused confusion. I have attached correspondence with the bank that acknowledges this discrepancy. 

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 XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX 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 2024-09-23
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-23
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. (MI)

I am a victim of identity theft. My information was fraudulently used for credit cards. 

Accounts : 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 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 2024-09-23
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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. 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 : Bank Processing Delay : I made my payment on time, but the delay in processing by XXXX  XXXX XXXX led to the late payment being recorded. Attached is a copy of the bank statement showing the payment date. The delay was on the part of the bank and not due to any action on my side. 
Discrepancy in Due Date Communication : There was an inconsistency in the due date communication, which I raised with XXXX  XXXX XXXX. The discrepancy between the statements I received and the payment due date caused confusion. I have attached correspondence with the bank that acknowledges this discrepancy. 

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 2024-09-23
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. (NC)

I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/year> and no response. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than XXXX  days, Experian still haven't responded to my letter. That a violation of XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-09-23
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)

XXXX I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need theses account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX,
Consumer complaint received 2024-09-23
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I was the victim of identity theft. Here is the list of ITEMS which do not belong to me or were opened without my permission. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$770.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$580.00} XXXX XXXX BALANCED {$4100.00} XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-23
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 have not supplied proof under the doctrine of estoppel by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX {$560.00}, XXXX XXXX XXXX {$7200.00}, XXXX XXXX  {$1100.00}, XXXX XXXX XXXX  {$3700.00}, XXXX XXXX XXXX XXXX  {$140.00}.
Consumer complaint received 2024-09-23
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.