davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists Collection Account : XXXX XXXX XXXX {$870.00} account number XXXX XXXX XXXX XXXX {$3000.00} account number XXXX XXXX XXXX XXXX {$450.00} account number XXXX XXXX XXXX XXXX {$1400.00} account number XXXX XXXX XXXX XXXX {$450.00} account number XXXX XXXX XXXX {$19000.00} account number XXXX XXXX {$2500.00} account number XXXX XXXX XXXX {$910.00} account number XXXXXXXX XXXX  {$1300.00} account number XXXXXXXX XXXX XXXX XXXX {$450.00} account number XXXX XXXX XXXX {$150.00} account number XXXX XXXX XXXX XXXX {$2300.00} account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX  {$880.00} account number XXXX XXXX XXXX {$700.00} account number XXXX XXXX XXXX  XXXX XXXX {$2500.00} account number XXXX XXXX XXXX {$8500.00} account number XXXX XXXX XXXX {$32000.00} account number XXXX XXXX XXXXXXXX {$55.00} account number XXXX XXXX XXXX {$300.00} account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 Complaint # ( XXXX ) 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.
Consumer complaint received 2024-09-27
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)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-09-27
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. (NC)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

Based on, 15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of 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. Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights. Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice I LOOK FORWARD TO YOUR RESPONSE. RESOLUTION Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I called XXXX XXXX XXXXXXXX to close one of my credit cards with them. After an exceptionally long hold I was told the wrong card was closed and she had to escalate to reopen the card. She did not at ANY point tell me there was a credit inquiry to reopen the card SHE closed in ERROR. Approximately 5 minutes after the call ended I received an alert that there was a hard pull on all 3 credit bureaus. I checked and my score dropped an average of XXXX points across bureaus. I called back and was nonchalantly advised it would take 10-15 days to fix their mistake. This is unacceptable and I consider this an unauthorized credit pull that two representatives had the opportunity to tell me about and neither did. It is highly unethical and may impact my interest rates on buying a house or a car for the next 3-4 months. Something needs to be done about this unethical practice of pulling credit without notifying the costumer, because I would have told them to leave the card closed because I dont actually use either XXXX XXXX XXXX XXXX  on a regular basis and pay around XXXX annually. The rep was very well aware that I was contemplating closing that card too because I TOLD her. So, she had made a promo points offer to keep the card. Which makes it even more unethical not to provide me with a choice in the matter of pulling MY credit. Contacted XXXX XXXX XXXX case # XXXX and his supervisor XXXX. I dont know the XXXX female reps names who caused the issue.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-27
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. (IN)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-09-27
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)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint to address ongoing and unresolved issues with Experians customer service and account access that have caused significant frustration and concern regarding my ability to manage my credit.

First, it is impossible to reach a live representative at Experian. The phone number they provide routes to an automated system with no option to speak to a real person, and it offers no assistance for issues that fall outside of a narrow set of options. This lack of accessibility is highly problematic, especially for a company that handles sensitive personal and financial information.

I am currently trying to log in to unfreeze my credit, but I am encountering the same issues I faced previously on XX/XX/year>. On that day, I spent over three hours across 14 separate calls, starting at XXXX XXXX CT and ending at XXXX XXXX  CT, without resolving my issue. I have recordings of all these calls, which I can provide if needed.

When I finally reached a representative, I was told my account had been deactivated due to inactivity, even though I had logged in within the last six months. I was instructed to create a new account, but when I attempted to do so, the system was unable to verify my identity and directed me back to the toll-free number, leaving me stuck in an endless loop of unhelpful automated prompts.

Although I was eventually able to unfreeze my credit on my own, I am now experiencing the same issue as I try to log in again. This pattern of system failures and inadequate support has left me justifiably frustrated.

I believe that if I were paying for a premium service such as credit monitoring, these issues would not be happening. It is unacceptable for a company like Experian, which profits from selling personal financial data and holds significant control over my credit information, to fail to provide adequate customer service to address account access issues. The companys failure to answer phone calls or provide timely assistance for basic services needs immediate attention.

I am requesting that the CFPB look into Experians business practices, specifically its lack of adequate customer service for account management and credit freezes.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc. (NJ)

I placed a credit freeze for all credit report companies ( Experian, XXXX, and XXXX ) ; thus I expected nobody can open any bank or credit card account without authorization from me. However, Experian XXXX XXXX allowed an identity thief to open a digital checking account without sending me a second factor authentication or verify my true identity first. I dont understand how Experian XXXX XXXX could allow someone to open an account while my credit has been frozen. There is a serious loophole in their system. The thief was able to log into my Experian credit account and changed my profile information such as email address, phone number, and password without a second factor authentication. When I called the company, they denied any responsibility and kept transfer me from one department to another department, some of them even transferred me to a computer-answering system! I was on the phone for hours. The companys action showed me that they are not taking identity theft seriously. There should be consequences for Experian!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As I was reviewing my Consumer Report I noticed fraudulent accounts and inquires. 
I am a victim of identity theft because I did not give the accounts listed below consent to obtain my personal credit. My personal information was compromised and used without my knowledge. Per section 611 of the Fair Credit Reporting Act, 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Fraudulent Accounts XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Fraudulent Inquires XXXX INQUIRY DATE XX/XX/year> I've attached an Affidavit that has proper identification documents such as drivers license, social security card, proof of address, and XXXX report.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Heres a more detailed version of your CFPB complaint : Subject : Repeated Failure to Remove Unauthorized Hard Inquiry FCRA Violation To Whom It May Concern, I am writing to file a formal complaint against TransUnion for repeatedly failing to remove an unauthorized hard inquiry from my credit report, despite multiple requests and promises that the issue would be resolved. 

The unauthorized inquiry, which was added to my credit report on XX/XX/year>, occurred without my consent or authorization. Upon noticing this, I contacted TransUnion on several occasions to have the inaccurate information removed. Specifically, I reached out on XX/XX/year>, and again on XX/XX/year>. During my most recent interaction on XX/XX/year>, I was provided written confirmation from TransUnion stating that the unauthorized inquiry would be removed within two days. However, despite this written assurance, it has now been more than a month, and the unauthorized inquiry remains on my credit report. 

TransUnions repeated failure to remove this incorrect information constitutes a violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA requires that credit reporting agencies investigate and correct inaccuracies within 30 days. The inquiry has not been removed within this legally mandated timeframe, despite multiple requests on my part and clear communication from TransUnion that they would take action. 

The presence of this unauthorized hard inquiry on my credit report is continuing to negatively affect my credit score, and the lack of resolution is causing me significant frustration and financial harm. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that TransUnion fully complies with their legal obligations under the FCRA and removes this unauthorized inquiry from my credit report. 

Additionally, I would like confirmation that my credit score will be updated to reflect the removal of this inquiry, as it has unfairly impacted my overall financial standing. I have documentation of my interactions with TransUnion and am prepared to provide any additional information that is necessary for the investigation. 

Thank you for your time and assistance in this matter. I trust that the CFPB will help to ensure this issue is promptly resolved. 

Sincerely, XXXX XXXX [ Your Contact Information : Phone and Email ]
Consumer complaint received 2024-10-21
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX