davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I see that minimal changes were made to my report, and there are STILL Multiple INACCURACIES and FRAUDULENT ACCOUNTS on my REPORT, when I looked at my report on XX/XX/year>. And 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. These accounts are not complete and accurate. Please REMOVE these accounts 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

- { XXXX  XXXX XXXX } Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a ) - { XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a ) XXXX { XXXXXXXX XXXX  XXXX } Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a )
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. (CA)

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Collection Acct Names XXXX XXXX XXXX XXXX Acct # XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this 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 USC 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 7 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 2024-07-28
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. (IL)

Ive tried fixing a current error on my report with Experian regarding an investigation of a late payment under 15. USC 6802 b Obligations with respect to disclosures of personal information privacy act with the company XXXX in question I never they never gave me the option to opt of having my information released or told me to opt out
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

This is my current address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of the other addresses you list on my report are wrong. Please remove ALL addresses except for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. This is my correct phone number XXXX. I would like all other phone numbers to be removed. I have attached my ID with my correct address, please delete any address that does not match this one.
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. (PA)

I sent a dispute to experian regarding an inaccurate and incomplete account on XX/XX/2024 and to date I have not received the investigation results. This account was closed but on my experian report there is no close date being reported or close status being reported to the payment history section. On the experian consumer report there is a legend for closed but it is not being used for this account and instead a charge off status is being reported on a monthly basis. This results to both inaccurate and incomplete information. Pursuant to section 611 ( a ) ( 5 ) of the FCRA, this information is incomplete, inaccurate and I demand that it is promptly deleted.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a dispute via mail to the credit agencies and it looks like they did not process my dispute. Unfortunately I didn't send it certified mail as I didn't believe I needed to. The dispute was about a charged off account that wis reporting inaccurately on my reports. Additionally, the information is incomplete. See attached. For those reasons I believe that the information is also unverifiable. Pursuant to section 611 ( a ) ( 5 ) I am demanding that the credit reporting agencies deletes the account from my report immediately.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

There are some inaccurate late payments being reported on my consumer reports but I don't have any recollection of ever being late on any account nor have I received any written notices from the furnishers stating that they were going to furnish negative information on my consumer reports. Please modify the information on my report to paid as agreed never late pursuant to section 611 of the FCRA.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX and XXXX I submitted a request for verifying my personal information and provided my correct personal identifying information. In return, the necessary changes were not made to my Experian and XXXX credit accounts. In fact, additional information was added regarding employment histories and an address in which are reported inaccurately and incorrectly.
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. (NY)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
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. (SC)

I have disputed an account with XXXX XXXX XXXX ( XXXX ) about a XXXX XXXX account that they bought. I reviewed my consumer report today, and under remarks they have that I disputed the account and that it meets FCRA requirements. I did not conduct any type of business with XXXX. I did not get a letter from XXXX as I do not live at that address on the letter ( attachment ) that was sent to me when they responded to my dispute on this website. They did not meet the FCRA requirements. How can they re-age an account that they bought from XXXX XXXX? It is illegal to re-age a debt by reporting it to the credit bureaus after purchasing it in the secondary market. I have not and will not make any payments on this account There is no date of delinquency from the original creditor. Legally, this is considered a continuation of the original date. The open date they have is when they purchased it and that date is inaccurate. There is no date of last activity, no charge off date, and the payment history or summary is in accurate. How can XXXX buy an account and put it on my consumer report as if I did business with them? Send me proof that I gave XXXX XXXXXXXX permission for XXXX to collect on this debt and that I gave XXXX XXXX permission to sell the alleged debt to XXXX.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX XXXX  I need a section 623 letter for XXXX XXXX XXXX. 15 USC 1666b states no open credit account shall not be reported as late under no circumstances instead of facing fines please adjust them to P.A.D. 
XXXX Sure, here 's a draft of a Section 623 letter you could use to address a dispute with XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), specifically addressing issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Incorrect Credit Reporting under 15 USC 1666b To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my credit account with XXXX XXXX XXXX  XXXX Under Section 623 of the Fair Credit Reporting Act ( 15 USC 1666b ), an open credit account should not be reported as late. However, I have observed that my credit report incorrectly reflects late payments for my XXXX XXXX XXXX account. 

As you are aware, 15 USC 1666b stipulates that no open credit account should be reported as late, and as such, reporting my account as late is in violation of this regulation. Instead of facing potential fines for this violation, I request that you promptly adjust my credit report to reflect the account status as " Paid As Agreed '' ( P.A.D. ), which accurately reflects the current standing of my account. 

Please investigate this matter and correct the information on my credit report accordingly. I request a written confirmation of the adjustment to be sent to my address within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

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. Which I have provided all of my 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Re : Dispute of Inaccurate Information Account Number : XXXX Dear Experian, I am writing to formally dispute inaccurate and unverifiable information contained in my credit report regarding an account with XXXX XXXX XXXX The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$470.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} Balance Updated : XX/XX/XXXX Monthly Payment : {$41.00} Original Balance : {$300.00} Highest Balance : {$470.00} Payment History : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; 60 days past due as of XX/XX/XXXX ; 90 days past due as of XXXX XXXX ; Charge off as of XX/XX/XXXX This account contains several inaccuracies and inconsistencies that I believe to be incorrect. Specifically : Status : The account is listed as a charge-off with a written-off amount of {$470.00}. This information is inconsistent with my records and is not accurate. 
Comments : The account status indicates " Purchased by another lender '' and " First payment never received, '' which are conflicting and require clarification. 
I have never received any communication or information regarding the transfer or sale of this account to another lender. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive proper validation and notification of any debt that has been transferred or sold. This has not occurred, rendering the reported information inaccurate and unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the specific methods and sources used in the verification process. Therefore, I am requesting : The name, address, and contact number of the party who provided the information. 
The specific methods used to verify the accuracy of the information. 
Any documentation or evidence used to support the verification, including proof of communication regarding the transfer of the debt to the new lender. 
The reported information lacks proper documentation and fails to meet the standards set forth by the FCRA and FDCPA. If XXXX XXXX or any subsequent creditor can not provide verifiable and accurate information, this account must be removed from my credit report immediately. 

Please complete the investigation within the timeframe required by the FCRA and provide me with the results. If this account is not verified as accurate, I demand its immediate removal from my credit report. 

Failure to comply with these legal requirements may result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 



[ Enclosures : Copy of Credit Report with highlighted inaccuracies, Proof of Identity ]
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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 XXXX 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 2024-07-28
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXXA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX & XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian - The following inquiry were not authorized and should not be reporting.
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)

I am a victim of identity theft involving a fraudulent account with XXXX XXXX, account number XXXX, opened on XX/XX/year>. This account, which I did not authorize, has a balance of {$1700.00} and includes incorrect personal information such as an address and phone number that do not belong to me. 

Despite my multiple formal disputes and provision of evidence, XXXX XXXX has continually verified and updated this erroneous account on my credit report. Their actions violate the Fair Credit Reporting Act ( FCRA ), as they have failed to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and have not properly reinvestigated disputed information ( 15 U.S.C. 1681i ( a ) ). Additionally, their conduct breaches the Fair Debt Collection Practices Act ( FDCPA ) by engaging in unfair practices and reporting false information to credit bureaus. 

The persistent presence of this fraudulent account on my credit report has significantly harmed my creditworthiness, caused undue stress, and negatively impacted my financial stability. I urgently request that the CFPB intervene to ensure the immediate removal of this fraudulent account from my credit report and to hold XXXX XXXX accountable for their ongoing violations.
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (MI)

Company claims the validated debt with letter sent on XX/XX/year>. As I have been in XXXX I never received such letter, never received any notification, never received any form of communication beside when I personally reached out after company damaged credit. Provide proof that you contacted the correct address in XXXX with debt validation letter as you have currently stated as well as proof that residence was occupied by me on dates posted. Neither of these will be found as they arent even existing. Do not respond with auto reply.
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Sensible Auto Lending, LLC (CT)

The company claims to have sent my account to an entity called XXXX XXXX XXXX XXXX XXXX so I called XXXX XXXX XXXX, XXXX on phone number ( XXXX ) XXXX XX/XX/year> at XXXX pm, I was told that, I am looking for the wrong company and that the XXXX XXXX XXXX XXXX, XXXX does not handle this type of matter. Im requesting written documentation. I can not find XXXX XXXX XXXX XXXX XXXX if that was true. I dont think XXXX XXXX XXXX XXXX XXXX XXXX a legitimate company for the my situation. Im requesting for proof that the debt was sent to XXXX XXXX XXXX XXXX XXXX.