davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Credit Reporting Agency, I am writing to request the correction of an error on my credit report regarding my student loan account with the U.S. Department of Education. The account has been fully paid off for several years, yet late payment marks continue to appear on my credit report, which is adversely affecting my credit score. 

I request that these erroneous late payment marks be removed from my credit report immediately. The loan was paid off in full, and there have been no late payments on this account since its payoff. This information should be accurately reflected in my credit report with the XXXX  credit bureaus ( XXXX, XXXX, and TransUnion ). 

I kindly request that you investigate this matter and provide written confirmation that the late payment marks have been removed from my credit report. Furthermore, please ensure that the updated information is promptly reported to all three major credit bureaus. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX : Urgent Request to Update Credit Report Due to Data Breach** Dear Credit Reporting Agencies, I am writing to urgently request an update to my credit report due to a recent data breach that compromised my personal information. To protect my credit and prevent fraudulent activity, please take the following immediate actions : XXXX. **Update my contact information : ** Ensure that all of my current contact information is accurately reflected on my credit report. 
XXXX. **Remove inaccurate or fraudulent items : ** Remove any items on my credit report that are not accurate or do not belong to me. 
XXXX. **Place a fraud alert : ** Place a fraud alert on my credit report to notify potential creditors of the data breach. 

I have attached the necessary documentation directed to each agency specifically to support my request. Please respond promptly and accordingly to safeguard my credit. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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 2024-07-29
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. (MO)

I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open accounts on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open accounts. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments. Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of this inaccuracy on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit report to verify the accuracy of the late open accounts in question. Kindly help me correct the accounts immediately : DEPTEDXXXX XXXX XXXX : {$6500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

DEPTEDXXXX XXXX XXXX : {$1100.00} - My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

DEPTEDXXXX XXXX XXXX : {$2600.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

DEPTEDXXXX XXXX XXXX : {$2600.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

DEPTEDXXXX XXXX XXXX : {$6200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

DEPTEDXXXX XXXX XXXX : {$2300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

DEPTEDXXXX XXXX XXXX : {$6300.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.
Consumer complaint received 2024-07-29
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. (FL)

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. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

In XXXX I became aware of a credit card account apparently with XXXX XXXX XXXX. I contacted the credit bureaus and submitted all the necessary documentation to them. I also requested the following information from XXXX XXXX XXXX : 1 ) Documentation of the name of the original creditor as well as the name of the current creditor or owner of the debt. 2 ) Last account number with the original creditor. 3 ) A copy of the signed contract, signed application, and any other documents providing evidence of of my liability for the debt and the terms of the debt. 4 ) The date that the debt was incurred. 5 ) The date of the last payment. 6 ) An itemized accounting of the amount claimed to be owed, including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or subsequent owner of the debt. XXXX XXXX XXXX has failed to provide any of the above requested information which has been requested more than several times.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-29
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. (PA)

Experian is reporting a credit inquiry from XXXX XXXX on XX/XX/year>. This was not authorized by me and I have disputed this inquiry as a violation in accordance with 15 USC 1681 ( b ) of my consumer rights. I have not provided permission for anyone to inquire a copy of my consumer report or for Experian to report the following inquiry on my consumer report therefore Im requesting deletion of this inquiry. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-29
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. (FL)

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 Balance {$0.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am writing to request the immediate blocking and deletion of specific accounts from my credit 
file, as I am a victim of a data breach and subsequent identity theft. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I am entitled to have fraudulent information removed from my credit 
report to ensure its accuracy and integrity.
Please remove the following accounts from my credit file:
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 2024-07-29
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 submitting my complain today and I know that you have enough time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for your help to correct these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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. (FL)

Im submitting a XXXX 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 : XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (TX)

I received notice on XX/XX/year> from my credit monitoring company that a collection account was added to my credit report. This company did not notify by any means nor provide me an opportunity to validate this issue. Furthermore, XXXX attempts have been made by mail.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Violations of Federal Debt Collection and Credit Reporting Laws Dear Sir/Madam, I am writing to file a formal complaint against CREDIT COLLECTION SERVICES for violations of federal laws governing debt collection practices and credit reporting. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been infringed upon. The specific regulations that have been violated are as follows : 1. 12 CFR 1006.34 ( b ) ( 5 ) : According to this regulation, debt collectors are required to provide specific information regarding the debt, including the name of the creditor to whom the debt is owed. In my case, CREDIT COLLECTION SERVICES failed to provide this information, which has left me unable to verify the legitimacy of the debt.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that debt collectors must provide information about my right to dispute the debt. CREDIT COLLECTION SERVICES did not include this critical information in their communication with me, thereby depriving me of my legal right to dispute the debt within the 30-day period.

3. 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to send a written validation notice within five days of their initial communication with me. CREDIT COLLECTION SERVICES did not send this notice, which is a clear violation of my rights under the FDCPA.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Under the FCRA, specifically this section, furnishers of information to credit reporting agencies must correct and update information to ensure its accuracy. Despite my repeated requests, CREDIT COLLECTION SERVICES has failed to correct the inaccurate information they reported to the credit bureaus, negatively affecting my credit score and causing undue harm.

Given these violations, I request the CFPB 's immediate intervention to ensure that CREDIT COLLECTION SERVICES complies with federal laws. I also seek the removal of the erroneous information from my credit report and appropriate remedies for the distress and financial harm caused by these unlawful practices. 
Please find attached copies of all relevant correspondence and documentation to support my complaint. I am available for any further information or clarification needed to expedite the resolution of this matter. 
Thank you for your prompt attention to this serious issue. 
Sincerely,
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (AK)

A creditor called " XXXX XXXX XXXX '' contacted members of my family and me. Their calls were disturbing and vague. They refused to prove they own the debt, and that I owe a debt. My family and I want to be left alone and I want this debt stricken from my credit report. I don't recognize this debt. I have never heard of it before and it is mistakenly on my credit report. 

God Bless
Consumer complaint received 2024-07-28
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. (GA)

Subject : Request for Validation of Negative Items on My Consumer Report Dear Experian, I am writing to dispute the following negative items that appear on my consumer report. I am requesting that you validate these items and provide me with the method and source from which this information was obtained. 

The specific items I am disputing are : XXXX XXXX  XXXX XXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXXXXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and provide me with the verification of the accuracy of these items. Please provide me with the following information for each disputed item : Date of the negative item. 
Name of the creditor or lender. 
The original source of the information. 
Full details of the negative item, including the amount in question. 
Proof that the negative item is accurate and verifiable. 
If you are unable to validate the accuracy of the negative items, I request that these items be removed from my consumer report immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving your response and the necessary validation for the disputed items. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-28
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. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-28
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)

Experian reports an XXXX account on my own credit report. That account belongs to my ex spouse. We have been divorced since XXXX and keep our finances separate. I have repeatedly tried to dispute this item this year XXXX, over and over, through the Experian website and XXXX XXXX XXXX. Every single time, Experian says the account has been verified- but never, ever explains how. And has never provided evidence that I am responsible for the account. 

The account is in my ex-spouses name. She has the card in her possession. She has made all the payments from her separate funds. The bills are in her name. 

Recently, the Experian website wont even accept my online disputes. This XXXX credit account was opened by my spouse in ca. XXXX for her own sole use. I have never had an XXXX credit card. Right now, the balance on my spouses card is over {$7700.00} according to my credit report this week. Obviously this affects my credit score. 

My name is different from my spouses. Our social security numbers are different.
Consumer complaint received 2024-07-28
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)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account XXXX, an Insurance account opened at XXXX  on XX/XX/XXXX under account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX Funding on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.