davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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)

In XXXXXXXX XXXX XXXXXXXX, I signed a lease with XXXX XXXXXXXX XXXX. As a part of that lease, a garage space was part of it. On day one, I was not afforded the garage space as I was not available. Thus, they had effectively broken the lease. As you can see by the attached ledger I was not able to access my garage until XXXX. Due to not have the extra garage space I was not able to fully move into my rented space, as the garage was meant to be added storage space. During this time XXXX happened and a lot of companies were having issues and mine was one of them. I told the complex my issues and they seemed to understand and I went on to break my lease. However, I ended up having to pay additional fees. I started to pay those fees the best I could. Even though at this point I really should not have been made to due to the fact that they broke the lease first and they had taken XXXX payments as well. I have tried to talk to them several times but to no avail.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I did not consent, nor benefit from or authorize any of the following Accounts : XXXX XXXX XXXX XXXX : Account # XXXX - Amount : {$1600.00} XXXX XXXX XXXX XXXX XXXX : Account # ending XXXX - Amount : {$1600.00}. " THIS ACCOUNT WAS FRAUDULENTLY ADDED TO MY FILE WITHOUT MY KNOWLEDGE '' 15 USC 1681 ( a ) ( 1 ) Congress states 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.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; andi ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

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 2024-10-17
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

On XXXX  I tried to cancel my membership and the company, Experian, will not allow a customer to cancel their membership. 

I attempted to cancel my membership online at https : //usa.experian.comXXXX and their website only provides one method to cancel via a phone call. 

However, I called the listed number at ( XXXX ) XXXX and their automated service will not cancel the membership. I tried every possible option for over 30 minutes with no success. 

Additionally, I researched to find an email address for Experian and found this address, XXXX and sent the following message : " I want to cancel my experian free membership account. Your automated telephone service is broken and will not allow someone to cancel their membership over the phone. This needs to be fixed. '' I immediately received an automated email response stating : " You have reached XXXX Sales and Marketing Support for business clients. Please note this inbox is being decomissioned as of XX/XX/year>. 

Please note this mailbox does not support inquiries regarding your personal credit report, disputes, or credit monitoring services. For support regarding your personal credit report, please call Experian at XXXX opt XXXX, XXXX, XXXX or visit www.annualcreditreport.com to obtain a copy of your report. 

Thank you, XXXX XXXX ''
Consumer complaint received 2024-10-17
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-08-28
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. (CA)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the accuracy of a Public Record item that continues to appear on my credit report. Despite multiple previous disputes regarding this issue, the item has not been corrected or removed as required by law. This continued inaccuracy is unacceptable, and I am requesting that the Public Record in question be permanently deleted from my credit file. I have already disputed this item several times, providing the necessary documentation and evidence to support my claim that the information is incorrect or outdated. Yet, despite these efforts, the record has not been removed. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and integrity of the information appearing on my credit report. Since this Public Record is inaccurate, it should be deleted immediately. 

I expect your agency to thoroughly investigate this matter, as required by the FCRA, and take swift action to remove this incorrect information from my report. Please understand that this item is damaging my credit standing and any further delays in resolving this issue will continue to negatively affect my financial wellbeing. 

I request written confirmation that this Public Record has been deleted from my credit report and a copy of the updated report reflecting these changes. 

Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello and good day! There is erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2024-10-16
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, 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. 

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 2024-09-30
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. (PA)

This letter serves as a FINAL DEMAND for immediate action regarding the unresolved dispute on my credit report. I have made multiple prior attempts to address this issue, yet you have failed to take appropriate action, in blatant disregard of your obligations under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-30
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. (MA)

Im reaching out because I noticed an error on my credit report related to a late payment on my account with XXXX XXXX XXXX XXXX XXXX XXXX, and the late payment showed was on XX/XX/year> for each bureaus. Ive always made my payments on time, and I was surprised to see this late payment listed. This seems like a mistake, as Ive never missed a payment. According to the Fair Credit Reporting Act, the information on my credit report needs to be accurate, and this late payment simply isnt. Please provide documentation that supports the reported late payments, along with any records showing my authorization for these reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate, on-time payment history.
Consumer complaint received 2024-08-16
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. (OH)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX last four digit SS # XXXX todays date XXXX I reviewed my Consumer reports and made a dispute XXXX. 

I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 100 % on time thank you I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I ASKED FOR PROPER INVESTIGATION TO BE DONE AND PROOF TO BE PROVIDED ON THE PROCEDURE OF INVESTIGATION AND RESULTS. 
SINCE PROOF CANT be provided I DEMAND these payments be updated to on time as they should be as I was NEVER Late. 
P.s This is holding me back from getting a new job, and a NEW HOME FOR MY FAMILY Thanks, XXXX XXXX XXXX XXXX XXXX COMPANIES ARE IN VIOLATION OF FAIR CARES ACT LAW USC 1666b timing of paymentsUSC 1681i procedure in case of disputed accuracy USC 1341 frauds and swindles USC USC 1692e false or misleading representation
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I noticed that my credit report was not correct in listing my name correctly.

There were also credit accounts that are on my report listed that were closed, but still reporting. I have contacted the companies and asked them to remove the information, however they continue to report the wrong information. Finally, I reported the companies to the fraud and identity theft because they will not comply with my demands to remove the information that is incorrect on my credit report. This incorrect information is causing difficulty in me applying for a mortgage. Without this negative information being removed, I am forced to take a higher percentage rate for financing my mortgage, which is totally unfair. I know that if any creditor reports my information incorrectly, it must be removed from my account. Since my information was included in the data breach, all information that is incorrect has to be removed from my account.
Consumer complaint received 2024-10-17
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-17
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to express my disappointment regarding these accounts reporting negatively on my credit report. I believe they were not reported with maximum accuracy and it's affecting me and my XXXX XXXX I need you to fix this problem right away because my scores are also being affected.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-26
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. (FL)

THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA XXXX05B ( 15 U.S.C 1681C-2 ) THAT YOU, THE TRANSUNION 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 FRADULENT, INNACURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL COLLECTIONS ACCOUNTS, CHILD SUPPORT, CHARGE OFF AND HARD INQUIRIES. THIS ACCOUNT COLLECTION, DATES OPENED ( XXXX XXXX, XXXX ) - DATE OPENED XX/XX/XXXX ) - DATE OPENED XX/XX/XXXX ) - DATE OPENED XX/XX/XXXX ) - ( XXXX XXXX ) - DATE OPENED ( XXXX XXXX ) THIS ACCOUNT HAVE RESULTED IN SEVERAL FRAUDULENT HARD IN QUIRIES AND COLLECTIONS. ALL OF THE AFOREMENTIONED ACCOUNTS, COLLECTIONS, ARE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF FTC IDENTITY THEFT CRIMINAL COMPLAINT
Consumer complaint received 2024-10-17
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. (FL)

I am writing to formally request a credit sweep as I have identified several inaccuracies on my credit report that do not reflect my actual credit history. These inaccuracies are negatively impacting my credit score and hindering my ability to secure credit. I believe that these errors may be a result of outdated information or incorrect reporting by credit bureaus.

You are requesting a credit sweep to address inaccuracies or outdated information on your credit report that may be adversely affecting your credit score. This process aims to ensure that your credit report accurately reflects your credit history and financial behavior, thereby improving your chances of securing loans, mortgages, or other financial opportunities.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is 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.