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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX  for the egregious violation of multiple consumer protection statutes. This complaint pertains to the unauthorized opening and reporting of a credit account in my name, which has caused significant financial and reputational harm. 

Details of the Fraudulent Account : Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Closed - Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Credit Limit : {$500.00} Last Payment Date : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Usage : 139 % Legal Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605A ( Identity Theft Prevention and Mitigation ) : Mandates that credit reporting agencies must block the reporting of information resulting from identity theft. XXXX XXXX XXXX XXXX  failure to address the fraudulent account after multiple disputes is a clear violation of this provision. 
Section 611 ( Procedure in Case of Disputed Accuracy ) : Requires a prompt and thorough investigation of disputed information. XXXX XXXX XXXX XXXX  has demonstrably failed to comply with this legal requirement, resulting in continued reporting of inaccurate and fraudulent information. 
2. Truth in Lending Act ( TILA ) : Regulation Z ( 12 CFR 226 ) : Obligates creditors to ensure the accuracy of billing statements and to investigate unauthorized transactions promptly. The existence and reporting of the fraudulent account violate these provisions, as I did not authorize the account in question. 
3. Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Requires financial institutions to implement measures to protect the security, confidentiality, and integrity of customer information. The fraudulent account indicates a significant breach of these obligations by XXXX XXXX XXXX XXXX. 

Attempts to Resolve : Despite my multiple good-faith efforts to resolve this matter directly with XXXX XXXX XXXX XXXX  XXXX XXXX formal disputes and requests for investigation, the bank has failed to take appropriate corrective action. This inaction exacerbates the harm caused by the initial fraudulent activity.
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. (MD)

I am writing to formally lodge a complaint regarding the inaccurate reporting of late payments on my student loan account managed by XXXX. I believe that the reporting of these late payments is incorrect and does not reflect my actual payment history. Furthermore, I have concerns that the reporting practices may not be in compliance with relevant laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. Account Details : Name : XXXX XXXX  XXXX Account Number : XXXX Servicer : XXXX XXXX. Background and Concerns : I have noticed that my credit report contains several entries indicating late payments for my student loan with XXXX. However, I have consistently made payments on time according to the agreed-upon schedule. The inaccurate late payment entries have had a significant negative impact on my credit score. 

XXXX. Relevant Legal Provisions : XXXX FERPA ( 20 U.S. Code 1232g ) : Under FERPA, the disclosure of students ' educational records without consent is permissible to certain entities, including " appropriate parties in connection with financial aid to a student. '' In my case, XXXX, as the servicer of my student loan, is an entity involved in the management of my financial aid. My concern is that any disclosure or reporting by XXXX that inaccurately reflects late payments could be in violation of FERPA provisions if such information is improperly shared or reported.

B. FCRA ( 15 U.S. Code 1681a ( 2 ) Exclusions ( A ) ( i ) ) : The Fair Credit Reporting Act excludes from the scope of credit reports information solely regarding transactions or experiences between the consumer and the party making the report, if such information is not accurately reflected. I believe that XXXX 's reports of late payments do not accurately reflect my payment history and may therefore fall within the exclusions specified under FCRA. 

XXXX. Requested Resolution : I kindly request that the CFPB investigate this matter and take the necessary steps to rectify the incorrect late payment entries on my credit report. Specifically, I request : Correction of Credit Report : Immediate correction of any erroneous late payment entries reported by XXXX to credit bureaus. 
Verification of Compliance : Verification that XXXX 's reporting practices are in compliance with both XXXX and FCRA regulations. 
Confirmation : Confirmation that XXXX has updated their records to reflect accurate payment history and has notified credit bureaus of these corrections.
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 submitted a dispute with the reporting agencies 2 months ago and never received the investigation results from them. There is an unverifiable account being reported and it is hurting my credit rating, credit standing and credit capacity
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. (IL)

In XXXX of this year I reached out to Experian and told them that they had all of my personal information reported incorrectly and I noticed that there were accounts on the report that didnt belong to me. I told them that they needed to fix all of this and they told me to put it in writing so I did. THEY DID NOTHING! I wrote them and disputed again in XXXX and again THEY DID NOTHING. Not even a response! They are intentionally ignoring me and refusing to abide by consumer laws put in place to protect me. It is now XXXX and my credit report is still WRONG. I feel violated and humiliated when I look at my report and/or when anyone else does too. This is not right at all!
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. (TN)

Subject : Dispute of Fraudulent Accounts Reported on My Experian Credit Report Dear Experian, I am writing to formally dispute XXXX fraudulent accounts that are currently being reported on my credit report. These accounts are not mine, and I believe they are the result of identity theft. 

The details of the fraudulent accounts are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Given that these accounts were fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute these accounts for the following reasons : Inaccuracy : The accounts listed do not belong to me, and I have never had any dealings with these creditors. 
Identity Theft : These accounts were opened fraudulently using my personal information. 

I request that Experian conduct a thorough investigation of these fraudulent accounts and remove any inaccurate, incomplete, or unverifiable information from my credit report. Please inform me in writing of the results of your investigation and provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, if the investigation reveals that the information is indeed inaccurate or unverifiable, please notify the creditors in question of the deletion of the accounts from my credit report. 

If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 dispute inaccurate information contained in my credit report regarding an account with XXXX XXXX. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Type : Cell Phone Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$750.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$750.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Original Balance : - Highest Balance : {$750.00} Terms : XXXX Month On Record Until : XX/XX/XXXX Payment History : Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account contains several inaccuracies that I believe to be incorrect. Specifically : Status : The account is listed as a collection account with a past due amount of {$750.00}. However, this information is inconsistent with my records. 
Comments : The account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), which implies that the previous dispute did not resolve the inaccuracies. 
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. 
Additionally, I would like to point out that XXXX XXXX has not provided any documentation proving the validity of this debt. Without proper verification, this account should not be listed on my credit report. If the account can not be verified as accurate, I request that it be removed from my credit report immediately. 

Enclosed are copies of my credit report with the highlighted inaccuracies, as well as proof of my identity. 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, please remove it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Enclosures : Copy of Credit Report with highlighted inaccuracies, Proof of Identity ]
Consumer complaint received 2024-07-27
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX [ Phone Number ] XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Subject : Opt-Out Request and Removal of Erroneous Information from Credit Reports Dear Consumer Financial Protection Bureau, I am writing to formally notify you, in accordance with CFR 6802, 6805, and 16 CFR 433.3, that effective XX/XX/year>, I am opting out of any consent/ authorization verbal, implied, written, or otherwisefor the use of my personal information without my explicit consent. 
Furthermore, I request that you instruct each of the credit reporting agencies-XXXX XXXX, and Experian as well as XXXX XXXX, to immediately remove all erroneous non-mailable addresses, phone numbers, and any misconstrued versions of my name, XXXX XXXX XXXX XXXX from my credit reports. This request is effective immediately and indefinitely. 
The inclusion of inaccurate personal inquiries, information has significantly harmed my ability to build credit and has hindered my financial progress due to violations of my privacy and the failure to bring these matters into compliance per my previous requests. I demand remedy and compensation for every identified violation. 
Please ensure that a copy of this letter is forwarded to each of the mentioned bureaus without delay. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (IL)

XX/XX/year> a credit application was submitted on behalf of the trust estate by XXXX XXXX, a salesperson at XXXX XXXX XXXX XXXX XXXX. The salesperson falsely represented a salary, with knowledge of its falsity, with the intent to deceive, making the trust estate rely on the misrepresentation. The securitization of the retail installment agreement by TD BANKS NA, which allowed for the dealers book to clear for the underwriting of more credit applications, exhibits the acknowledgment of the salary verification process used by their partner XXXX XXXX XXXX XXXX XXXX as well as the salary verification document used to verify the salary, if any. XXXX, XXXX, & XXXX XXXX are attempting to collect on a debt deceitful from its inception, in which the managerial accounting attributed to the trust estate located at both XXXX XXXX XXXX XXXX XXXX and TD BANKS NA will demonstrate. Let this also be a notice that allows XXXX, XXXX, & XXXX XXXX to send correspondence through CFPB portal.
Consumer complaint received 2024-07-27
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-27
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 file a complaint regarding multiple instances of identity theft involving accounts fraudulently opened in my name with XXXX. These unauthorized accounts have caused significant distress and have negatively impacted my credit report. 

Recently, I reviewed my credit report and discovered several XXXX accounts that I did not recognize. These accounts were opened using an address and phone number that do not belong to me. I have never authorized these transactions and have no knowledge of these accounts. 

Upon discovering the fraudulent activity, I took the following steps to address the issue : 1. Contacted XXXX : I promptly contacted XXXX to inform them of the fraudulent accounts. I provided proof of my identity and detailed information about the unauthorized accounts. Despite my efforts, these accounts remain unresolved. 
XXXX. Filed a Police Report : I filed a report with my local police department to document the identity theft. The police report includes all relevant information about the fraudulent accounts and unauthorized activity. 
XXXX. Placed a Fraud Alert : I placed a fraud alert on my credit reports with XXXX, Experian, and XXXX. This alert notifies potential creditors to take additional steps to verify my identity before opening new accounts. 
XXXX XXXX XXXX : I froze my credit with all three major credit bureaus to prevent further unauthorized accounts from being opened in my name. 
XXXX. Filed a XXXX  Complaint : I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX, detailing the fraudulent activity and requesting their assistance in resolving this issue. 
XXXX. Gathered Documentation : I collected and attached all relevant documents and evidence to support my claim, including my police report, identity theft affidavit, and correspondence with XXXX. 

Despite taking these steps, the fraudulent accounts are still present on my credit report, causing ongoing financial and emotional distress. I am seeking immediate assistance from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and facilitate the removal of these unauthorized accounts from my credit report. 

I request the CFPB to take the necessary actions to ensure that these fraudulent XXXX accounts are removed and that my credit is restored. Additionally, I seek guidance on any further steps I should take to protect my identity and prevent such incidents in the future. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-07-27
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. (FL)

There is an open FTC identity theft investigation open on the principal XXXX XXXX account, which, documents were sent in to Experian, for proof. They received them and I has been over 1 week and they are still allowing XXXX XXXX to report the fraudulent information, when there was supposed to be a block of information put on the file, restricting such activity, no later than 4 days after receipt, pursuant to federal law! 
This needs to be rectified IMMEDIATELY!!!!
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear Sir, Madam, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX XXXX XXXX 

This charge-off is inaccurately reported because the status update and the status of the charge-off do not correspond and are contradictory. Specifically, the charge-off status was recorded in XX/XX/XXXX, while the status was updated in XX/XX/XXXX. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Creditor : XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX Status Update : XX/XX/XXXX Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely, [ Your Name ]
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-27
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. (TN)

I'VE RECENTLY RECEIVED MY CREDIT REPORT AND NOTICED SOME INACCURACIES TO MY CREDIT REPORT. I'VE ASKED THIS COMPANY TO PROVIDE DOCUMENTATION TO WHY THEY ARE REPORTING INACCURATE INFORMATION TO MY CREDIT REPORT.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear Experian, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX with the account number XXXX. 

This charge-off is inaccurately reported because I have not received a XXXX form from XXXX XXXX, which is required under IRS regulations when a debt of {$600.00} or more is canceled. The absence of this form raises questions about the accuracy and completeness of the information being reported. Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ). 

Additionally, the status update and the status of the charge-off do not correspond and are contradictory. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Charge-Off : [ Date of Charge-Off ] Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely,