davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I am cosigned on a loan that my cousin has for his truck. My credit score dipped so I checked my credit report and it said that he had missed a payment in XXXX of 2024. I thought maybe he just missed a payment, but it happened again in XXXX of 2024. We took a look and it stated that both of the payments were 30 days late, however the payments were coming out of his account, the same amount that had been paid every month since he has had the vehicle. I got a mail in the letter that said the truck was going to be repoed if we did not resolve this, so we called XXXX  XXXX XXXX XXXX, who the loan is through. After explaining the situation, they said that it was because they were charging him an extra fee for not having insurance on the vehicle when he first bought it, which we fully understand. However, they said that they were not taking the money out of the account because they sent an email for us to sign in order for them to take the money out, which neither of us received, rather than taking the money out of the account that they have full access to. Furthermore, they did not make any more effort to contact us such as a phone call or mail to get the signature that they say that they needed. My credit score has dropped over XXXX points due to this communication issue, and I find that hardly fair. I attached documentation that shows the original payment amount as well as the money coming out of his account on the months that it says were late.
Consumer complaint received 2024-09-16
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. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( 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. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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. (CT)

Please remove fraudulent accounts off my credit profile from Experian XXXX XXXX, XXXX. Immediately. 
XXXXXXXX  XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

This company is reporting information that is inaccurate. According to the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ] A reinvestigation of disputed information : " ..the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is INACCURATE and record the CURRENT status of the disputed information, OR delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In paragraph ( 5 ) it states ; " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall '' - ( I ) Promptly DELETE that information.. I also request a description of the procedure as stated in paragraph ( 6 ) ( B ) ( III ) which states " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency... '' *See the attached picture
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I received XXXX emails from experian today that my social security number is compromised. I immediately tried to log Into my experian account and it seems my account is hacked. My saved username and password will not work. I tried to reset it but it says my phone number is incorrect. It appears my account was hacked and taken over. I have tried numerous times to reach experian but I can not reach them and I need to freeze my account immediately. I can not resolve this at all.
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-05
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. (AL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-24
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. (NJ)

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. 


XXXX XXXX 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 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 2024-09-23
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. (FL)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-24
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account
Consumer complaint received 2023-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DCI Credit Services, Inc. (ND)

I sent a Verification letter on XX/XX/2023 and have Not received anything back from them. I was served a letter without a case number so I can not put an Answer in to the court because nothing is on file as I was told. I had to look up their lawyers number on the paperwork against me because they had their own number printed ; Got in contact with their lawyer on XX/XX/2023 and XX/XX/2023 and he had No information for me but noted we spoke and said my call counted as an Appearance?? I just got a letter stating they are going to file a Default judgement against me but did Not responded to my Verification letter. Also they added another collection to my credit report in the time they have not verified so a total of 2 account on my credit report from them but No Verification letter. I feel like this cant be right in their part.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (DC)

Navy Federal has decided to practice extremely unfair mobile deposit practices. Their terms and condition state that you have to receive a approval email before XXXX otherwise it will not get processed that day. Although their customer service team clearly tells you that you can make a deposit at XXXX  Also I have been with this bank for several years, with great understanding of how they work, it's not fair.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Someone used my personal information to apply for an allegiant air credit card through Bank of America. The application was submitted on XXXX XXXX. I had a credit freeze in place so the application was blocked. I received a notice of this on XX/XX/XXXX.
Consumer complaint received 2024-09-05
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. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (PA)

The following companies pulled my credit without my consent. I have no knowledge of these inquiries. I am to receive a call from any company before pulling my report. Please assist in removing Information XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX  Inquiry : XXXX XXXX, XXXX Travel/Entertainm DISCOVER BANK  XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX 4
Consumer complaint received 2022-09-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my accounts or else I will file the litigation to get deletions. 

XXXX XXXX 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 2024-09-17
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: Fidelity National Information Services, Inc. (FNIS) (NC)

I have requested this company to be more diligient and never got ana ser from them I send documents they find them unaceeptable Im tired of the run arounds please help me
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-05
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. (IL)

To Whom It May Concern, I am writing to inform you of a severe and urgent issue regarding the compromise of my Social Security number, which has made me a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission ( FTC ) and filed an official FTC Report, which is enclosed with this correspondence. I am demanding that you, as a credit reporting agency, immediately block and remove all fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 ( c ) ( a ). This statute mandates that you act within 4 business days of receiving my complaint. It is outrageous that the following items remain on my credit report, despite this clear requirement : XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX  - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2024-09-17
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.