davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
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. (FL)

This letter serves as an official and urgent request that you, Experisn, immediately permanently block and remove the fraudulent and inaccurate information currently appearing on my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are required to take action within four ( 4 ) business days of receiving this complaint. The fraudulent account include : XXXX XXXX ( Opened : XX/XX/2020 ). This fraudulent account was not opened, initiated, or authorized by me. This is the result of identity theft and fraud and have led to serious harm and injury to my consumer FICO credit report. I do not recognize this account, and must be removed immediately. Enclosed with this letter, you will find : 1. A list of the fraudulent account in question. 2. A copy of my consumer FICO credit report, highlighting the fraudulent item. 3. A copy of the FTC Identity Theft Complaint ( XXXX ), which confirms that this account is indeed the result of identity theft and fraud. I demand that the account be immediately permanently deleted from my consumer FICO credit report. You are required to mail me a corrected version of my consumer FICO credit report without this fraudulent account. Failure to comply with this request will leave me with no choice but to take legal action against Experian under 15 USC 1681 ( e ) ( b ) for the harm and injury caused. This is your final opportunity to rectify this situation before further legal measures are pursued. I expect to see this matter resolved within the timeframe specified by law, and I will be monitoring my credit report closely to ensure compliance.
Consumer complaint received 2024-09-22
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXX {$2400.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3300.00} ( XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$150.00} ( XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information and Request for Permanent Deletion Account Name : XXXX XXXX XXXX XXXX ( Installment ) Account Number : XXXX Closed Date : XX/XX/XXXX Balance : {$0.00} Dear Sir/Madam, I am writing to formally dispute the inaccurate information appearing on my credit report related to the XXXX XXXX XXXX XXXX account referenced above. This account is reporting incorrect details, including discrepancies in payment status and history across the bureaus. As such, I request the immediate and permanent removal of this account from my credit report, along with assurance that it will not be reposted. 

Legal Basis for Dispute : 1. FCRA Violations - Inaccurate and Incomplete Reporting ( 15 U.S.C. 1681 ) : The Fair Credit Reporting Act requires credit reporting agencies to ensure that all information reported on a consumer 's credit file is accurate, complete, and verifiable. In this case, the discrepancies and errors associated with this account, such as conflicting delinquency dates and statuses, violate these requirements. The information does not meet the standards of accuracy, and therefore, this account must be removed from my report. 

2. TILA Violations - Creditor Definition and Incorrect Reporting ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity that extends credit to a consumer. Since the reported details on this account do not align with the terms agreed upon, and no clear contract exists to support the reporting, it does not meet the standards set by the TILA. Thus, this account should not be reported on my credit file in its current form. 

Actions Requested : Permanent Deletion : I request that the XXXX XXXX XXXX XXXX account be deleted from my credit report immediately and permanently due to the inaccurate and incomplete information. This account should not be reposted under any circumstances. 

Written Confirmation : Please provide written confirmation of the removal and update of my credit report once this account is permanently deleted. 

I expect this matter to be resolved within 30 days, as required by the FCRA. Thank you for your prompt attention to this important issue, and I look forward to your confirmation of this account 's removal. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-22
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NV)

I joined the XXXX in XXXX of XXXX. I graduated in XXXX. I was introduced to apply for an XXXX card through my bank XXXX XXXX. I was stationed in Virginia and gave them my stationed address to send the card to however on XX/XX/XXXX with the help of my mother they finally told me that it was sent to my original address which is where my parents live. During this time my card was activated and used without my permission. I called multiple times telling them I never got a card and charges showing up on my account and requested that the card be completely closed. I thought they did but more charges were showing up. I had no idea they were sending replacement cards to my parents home in which case they never got any card sent to their home plus they don't open my mail. They allowed someone to run XXXX worth of charges on my card while I was in Virginia. I have tried to dispute the charges but they kept reversing the provisional credits therefore trying to make me responsible for these charges. I even was made to pay a total of XXXX toward charges I didn't make biggest reason because I never got a card. This has been going on since XXXX. Now they are giving me the run around trying to fix this. This is a clear case of fraud and they are refusing to do a proper investigation so that I'm vindicated. I spoke with a supervisor XXXX who refused to help me dispute charges over the phone. This bank needs to be held accountable for not safeguarding me against this fraud. She refused to give me the so called tracking number connected to the delivery of the cards so that I can see how it was intercepted. Please assist
Consumer complaint received 2024-09-22
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. (FL)

.On XX/XX/2024 it's been XXXX  days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of XXXX  XXXX XXXX. on juneXX/XX/2024 i sent a letter regarding inaccurate and unknown things on my report its been mor than XXXX  days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section 611A I surely was a victim of the XXXX XXXX XXXX
Consumer complaint received 2024-09-22
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 am writing to express my serious concern about several discrepancies on my credit report. Upon reviewing it, I discovered inaccuracies such as incorrect account listings, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial well-being, and I urgently require your help in addressing them.
Consumer complaint received 2024-09-22
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. (WV)

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 2024-11-15
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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/year>
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (OH)

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 2024-09-21
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)

My name is XXXX XXXX and I am not filing disclaim in the third person. I am a living woman whose privacy rights have been violated. THE ACCOUNTS ARE INCOMPLETE AND NOT ACCURATE. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$7200.00} XXXX  XXXX XXXX XXXX {$1000.00} XXXX XXXX/ XXXX XXXX {$2100.00} XXXX XXXX / # XXXX {$660.00} XXXX XXXX XXXX # XXXX {$87.00} XXXX XXXX / # XXXX {$4000.00} XXXX XXXX / # XXXX {$1200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I Have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-11-15
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. (TX)

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

Negatives XXXX XSXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-15
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. (SC)

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX account number XXXX has violated my rights. 

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. Also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-09-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (WA)

In XXXX of XXXX, I moved into an XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA. XXXX. Within months I caught my maintenance man, XXXX XXXX coming out of my apt without permission or proper notice. I have him on video vandalizing my vehicles. Police reports, etc. I was assaulted by a neighbor, obtained a CPO in Superior Court, provided it XXXX XXXX XXXX XXXX. they did not give the man notice, instead they continued to harass me. 
They ignored maintenance requests, please during a fire, to call XXXX, when I finally gave notice to vacate in XX/XX/XXXX, they served me a retaliatory eviction two days later. At that time, I had not had a working toilet, shower, washer, dryer? Or dishwasher for 5 months. They had in XX/XX/XXXX overcharged my housing program nearly {$6000.00}. 
As off today, XX/XX/XXXX, I have still not received an accounting of my deposit. Without any communication from XXXX XXXX a nearly $ XXXX debt was added to my credit file on XX/XX/XXXX. With the original debtor names XXXX XXXX XXXX XXXX, immediately dropping my credit score nearly XXXX. This company has NEVER CONTACTED ME, NOT ONCE. I tried contacting them today and was hung up on. 
XXXX XXXX, was notified of my plans to file a civil suit against them for their overcharging of rent, ignoring my maintenance requests, the harassment, and vandalism, and the lack of providing an accounting of my deposit. And once again I believe they are retaliating. 
XXXX XXXX and XXXX did not follow the laws in order to add this collection. 
XXXX XXXX XXXX, claiming to be owed $ XXXX is laughable. As their XXXX unit XXXX XXXX ) does not even exist in the county assessors website 2 ) could not have been inspected as a result XXXX ) made me ill with positive results for XXXX in the drinking water and XXXX XXXX XXXX 
In addition XXXX XXXX XXXX and XXXX XXXX XXXX have blatant committed fraud and theft against a federal housing program, by blatantly and knowingly, with malice, overcharging them $ XXXX month in rent and thousands in fake charges. 
They should be in jail! And the fraud continues here with this unsubstantiated collection they had added to my credit. Never notified me before even doing so!!!
Consumer complaint received 2024-08-23
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)

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

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 XXXXXXXX Account Name : XXXX XXXX # XXXX - Balance {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$950.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$550.00} Account Name XXXX XXXX XXXX XXXX XXXXXXXX ( late payment ) Account Name : XXXX  # XXXX - Balance {$2000.00} Account Name : XXXX # XXXX - Balance {$1200.00} Unauthorized inquiries 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 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. Im filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card and loan accounts opened at : 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 A number of these accounts ( both in Collection and or Hard Inquiry status on my credit report ) appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not the aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit card accounts, collections, and hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2024-09-22
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. (PA)

I am reaching out to raise serious concerns regarding multiple issues with my credit report. Upon review, I found several inaccuracies, including incorrect account listings, inconsistent billing, and accounts that are not mine. These discrepancies pose a significant threat to my financial security, and I urgently request your assistance in resolving them.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (CT)

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.