davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I've been a victim of identity theft in the past and also another issue is that I've hired an attorney and sent a few different letters to the credit bureaus. Experian, XXXX, and XXXX need to remove the " XXXX XXXX '' CLOSED, negative accounts two in total from my credit report.

The other account that has been falsely reported on my credit is from " XXXX XXXX '' and this needs to be removed from Experian, XXXX, and XXXX.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-07-22
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)

To Whom It may concern all of the following inquries are inaccurate on my Experian account. I have tried to call the companies involved and Experian and have gotten no where I will list the false inquiry 's that were never authorized by me. On XX/XX/XXXX it claims cXXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave anyone permission to run my credit scorXXXX that day. XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the last one XXXX I did have an inquiry XXXX. XXXX but for some reason it is listed twice they only had permission to run my score one unsure why it was done twice that day. I would like this all removed as soon as possible.
Consumer complaint received 2024-07-22
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. (SC)

I have reviewed my credit report and several things listed is a result of aggravated identity theft. I am a living personal and please don't closed this case without providing full investigation of all accounts, names and inquires listed on my report attached. I stand firm on 15 USC 1681c-2 . Please honor my request and remove these accounts from my credit report immediately.
Consumer complaint received 2024-07-22
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)

Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SSN : XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am demanding that you remove the following accounts from my credit report immediately since you are in violation of FCRA 15 U.S. Code 1601 and FCRA 15 U.S. Code 1681 section 602. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX REMOVE IMMEDIATELY or face a {$1000.00} fine for each account. 

You are clearly also in violation of the U.S. Code 15 1666 ( b ) as you can see from my attachments that I was not 90 late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX Account # XXXX ( {$15000.00} ) XXXX XXXX Account # XXXX ( {$9500.00} ) Please update both XXXX accounts as paid ON TIME Please send me a new updated credit report in 30 days to the mailing address listed above. 

Regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-07-22
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 recently reviewed my credit report and noticed an account was not reporting accurately. I had a late payment on an account that went into a charge off, where I had actually made the payment. The consumer reporting agencies have the need to report all information with complete accuracy. 
This account did go into a charge off and has been paid yet, the dates XX/XX/year> between the credit reporting bureaus are conflicting. I request that the accuracy of these reports be investigated and provide me with verifiable proof with records showing that the account was paid. 
If this information can not be verified, I request that the account become removed from the credit reporting. 
Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-22
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 concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC (NJ)

I have had a collection from Spring Oak Captial on my XXXX credit report for sometime. I was able to dispute it with XXXX and XXXX and they removed. XXXX has yet to provide the documents necessary to prove that they verified it was me. My identity was stolen therefore this was a cause of that.
Consumer complaint received 2024-07-22
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. (SC)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605 if the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have also attached copies of my id.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-22
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. (PA)

I am writing to follow up on my previous dispute regarding several unapproved and unverified negative items on my credit report. Despite my efforts to resolve these issues, these entries remain, causing significant distress and affecting my creditworthiness.
Consumer complaint received 2024-07-22
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 wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute for the 3rd time! the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$7300.00} Name : XXXX XXXX  Account NumberXXXX Date OpenedXXXX Balance {$460.00} Name : XXXX XXXX XXXX  Account NumberXXXX  Date OpenedXXXX Balance {$130.00} Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$14000.00} XXXX believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I was looking at my credit report on XX/XX/year>, and I found that some addresses and other personal information to be incorrect. According to The Fair Credit Reporting Act 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 U.S.C. 1681e ( b ). 

Experian continues to report my name, my address, phone number incorrect on my credit report. I also have attached my letter ( Evidence ) that Ive sent Experian in XXXX of XXXX.
Consumer complaint received 2024-07-22
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 recently reviewed my credit report and noticed that an account was not reporting accurately. I had four late payments on an account that I was in fat on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. 
If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-22
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. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-22
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-22
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-22
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. (NV)

I sent my dispute letters to Experian, but they continue to delay, claiming they can't verify my information, despite me providing all necessary identification documents. This has caused harm by not removing the inaccurate information from my credit report.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I AM A SERVICEMEMBER FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A SECURITY CLEARANCE IN THE MILITARY THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HISTORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian is reporting an incorrect address. This violates the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, I have contacted them and they refuse to remove the inaccurate information. The only address that should be reported is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NC XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I AM A XXXX  FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A SECURITY CLEARANCE IN THE XXXX  THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HSITORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.
Consumer complaint received 2024-07-22
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.