davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 
Account name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, 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 item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2024-07-25
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)

Inaccurate information was and is currently being reported on my consumer report. They reported wrong dates and accounts. This information is being reported from XXXX, XXXX, Experian XXXX, to Please remove the late payment remarks on my consumer credit report because they are inaccurate, and the following accounts also are inaccurately being reported I have no knowledge of these accounts, nor do I have a contract with these companies. I requested XXXX and theses companies XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX to conduct an investigation on these accounts. All these companies failed to provide proof of the investigation on the first request of 30 days and on the second request of over 30 days. 
Account Numbers from XXXX, Experian, and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-07-25
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)

Santander consumer is reporting late payments to the credit agency which is a violation of my consumer rights under 15 U.S.C. 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details 1 % paid off Balance {$48000.00} Balance updated XX/XX/year> Original balance {$48000.00} please assist in rectifying the situation
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balanced : {$80.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced : {$5300.00}
Consumer complaint received 2024-07-25
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)

Over the past XXXX plus years, I was unaware I needed to provide the credit bureaus with my express consent to furnish my information. Now that I am aware, I no longer wish to have the credit bureau furnish my information. 

I wish to exercise my rights at this time.
Consumer complaint received 2024-07-25
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. (KS)

I noticed that unauthorized inquiries are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a malfunction or something but it was not. The unauthorized inquiries did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

I'm constantly bein denied For credit due to errors problems also the inquiries has gotten so high now due to the constant denial. It not the scores reporting. It inquiry l Have accounts bein reported not showing on my credit report. The Government needs to make changes on how these accounts are bein reported .I Just reapplied for loan for credit again has been denied for. Accounts showing incorrect delengcy .nor inquiring bein to high .these companies continue denial me for any line 's credit
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (GA)

The Following companies, Equifax, XXXX, XXXX, XXXX, XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax, et al, has failed and/or refused to implement a block, within four days ( 4 ) per 15 usc 1681c-2 to avoid further damage from use of identity theft accounts. Social Security Card bearing stolen identity theft accounts is attached to uploaded files
Consumer complaint received 2024-08-02
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. (TX)

On XX/XX/year>, I did paperwork to buy a zero-turn mower for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX that is on XXXX and XXXX. I provided XXXX non-profit organization XXXX number for the purchase. It is a board organization, and I am an XXXX. After calling XXXX XXXX and Equifax then XXXX again along followed by a lot of finger-pointing. I signed the paperwork for the XXXX With their name on it to purchase with 0 %, NOT MY NAME. The store spoke with XXXX over the phone XXXX times while it was the business before I signed on behalf of the XXXX 's purchase. The next morning, I got a call from XXXX letting me know they don't lend to XXXX 's and that I would have to go back in and re-sign the paperwork in my name. I refused. Who takes on personal debt for the Employer? From the beginning, it was clear that this purchase t was NOT for me but for the XXXX ; thus, they asked me to bring our XXXX number to the XXXX when I came in to conduct the transaction. We Cancelled the transaction, and the XXXX wrote a check to the XXXX XXXX that morning. I Issue is now my credit report was confirmed by Equifax that I have a new inquiry for a new open line of credit that Is not MINE from XXXX. I begged both Equifax and XXXX and to help me correct it and each said that the credit request was made in my name so that is just tough. It is what it is, and each blames the other for not helping me fix it. neither will take the proper steps to remove that unauthorized use of my credit information for this transaction that no longer exists because I cancelled this whole mess. I did not resign the purchase agreement with my name on it because they slipped up, made the transaction contrary to their own policies by agreeing to do it in the name of the XXXX using my credit information that was not correct. Requests for new lines of credit lower your credit score for 3 years, and I had no intention of buying a lawn mower for the XXXX. Now they just tell me how wrong I am and all the ways I did something wrong. I want the request for the new line of credit set up without my consent, that was cancelled in less than XXXX hours from when it happened and no longer exists that they pushed forward off of my record. They XXXX declare it is no fault on their side but without them this could never have happened. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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 sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX BALANCED {$2500.00} XXXX XXXX  XXXX BALANCED {$940.00} XXXX XXXX XXXX BALANCED {$730.00} XXXX XXXX  XXXX BALANCED {$5200.00} XXXX  XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$210000.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure my private information is not shared, as backed by 15 USC 6801, which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic information. XXXX ( XXXX ) is a financial institution by definition under this title
Consumer complaint received 2024-07-25
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. (MD)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is 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, impacting my financial well-being and daily life. I am left with no choice but to urgently 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 standing.

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 2024-07-24
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. (MD)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-07-24
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. (TX)

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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax 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 of. I am a victim of XXXX XXXX of Debt of XXXX and would like for all listed accounts to be blocked and deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 XXXX 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 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX balance {$3700.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXX balance {$2600.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX/XXXX XXXX XXXX balance {$850.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX/XXXX  XXXX XXXX balance {$1800.00} - This account has been paid, please remove Immediately. 

XXXX/XXXX  XXXX XXXX balance {$3300.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX XXXX balance {$460.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX balance {$2600.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX XXXX balance {$900.00} - Delete this unverified and inaccurate account. 

XXXX XXXX XXXX balance {$850.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and a incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX balance {$780.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX balance {$740.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$1300.00} Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX balance {$5300.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX/XXXX  XXXX balance {$1400.00} Charge off - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Consumer complaint received 2024-07-24
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : 24148820 and list of Inquiries.

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.