davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I am filing this complaint today on XX/XX/2024 because I noticed that I have inaccurate information listed by Experian in the personal information section of my credit report as seen on their website portal. Experian refuses to delete any old, outdated address that is connected to an account from the past. I refute this because it is not a relevant address that pertains to me currently. The old addresses belong to someone else. Those addresses do not belong to me. I also noticed several different names that are listed and inaccurate. A major data breach took place all over the United States recently and I do not want my credit report information being mailed to an inaccurate address by error on their part because it does happen. Experian has " foreign '' representatives who will and have refused to update my personal information and will instruct me to ask the creditor to update my personal information when it is an obligation of consumer reporting agencies to reinvestigate any information disputed regarding its accuracy or completeness per 15 USC 1681i ( a ) ( 1 ) ( A ) and to ensure that they ( Consumer Reporting Agencies ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy according to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-09-26
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. (OH)

I am writing to you as the holder of credit card account number XXXX XXXX XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (KY)

XX/XX/2023 : I received a Cash App from my sister on XXXX. Previously I would have the option to XXXX out, and my default transfer is 1-3 days without a fee. Last night the options had been changed even though my default was 1-3 days. I was charged a fee of {$1.00}. My history shows I use this P2P service and accept the delays to avoid fees. Cash App is my least preferred P2P as their settings can be confusing for users and predatory. 
I have been in touch with Cash App and was unsuccessful in getting the agent and advocates to reverse the transaction.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-26
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)

I recently reviewed my credit report and I noticed my accounts that was not reporting accurately. I had some late payments on my accounts that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.. These accounts has not been late on the payments I've attached a copy of my reports to these complaints on the following dates shown on my credit reports that I attached. I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2024-09-26
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. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account 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 XXXXXXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Equifax and told them that this inquiry are fradulent are provided proof, even though they told me that this inquiry were verifed. Please remove and dispute this fradulent information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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. (IL)

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 XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-26
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)

To Whom It XXXX Concern, Upon reviewing my credit report, I have identified several billing errors that constitute violations of 15 U.S. Code 1666 ( b ). Specifically, the creditor has failed to comply with the requirement that payments on an open-end consumer credit plan must not be considered late unless each periodic statement is mailed or delivered no later than XXXX days before the payment due date. Additionally, there has been a failure to accurately reflect payments or credits issued to me, and a computation or similar accounting error on the creditors statement. Since I was not notified XXXX days before the payment due date, any reported late payments on this account are incorrect. I request that you provide solid proof from the creditors bank account showing that I did not make the payment and that it was marked late, as this indicates a billing error. The items in question must be updated to " paid as agreed '' on my consumer report. 

XXXX  XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXXXXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, The deletion or suspension of accounts due to a data breach or unauthorized inquiries is regulated by the FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts on my consumer credit report, stemming from a data breach or fraud. I demand verifiable evidence with my signature/electronic signature. This letter represents my complaint against a violation of my consumer rights under FCRA Section 605B and FCRA Section 604, as these actions lacked proper validation or original proof from the reporting companies. 

Listed below are the Accounts that are being challenged : XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX  XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

Listed below are the Collections that are being challenged : XXXX  XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX Do you know if I did not authorize this inquiry? - The following inquiry was not authorized and should not be reported.
Consumer complaint received 2024-09-26
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. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-26
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-26
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX EXPERIAN REPORT NUMBER : XXXX Subject : Non-Compliance with Section 605C and 605C ( b ) of the Fair Credit Reporting Act Trafficking Victim To Whom It May Concern, I am writing to bring to your attention Experian 's failure to comply with Sections 605C and 605C ( b ) of the Fair Credit Reporting Act ( FCRA ), which require the removal of adverse information from the credit report of a trafficking victim within 4 business days I have already provided Experian with the necessary documentation proving my status as a victim of trafficking and that is my self Attestation form, in accordance with the provisions of Section 605C ( b ). Under this section, Experian is legally obligated to block or remove any adverse items resulting from the trafficking. Despite this, Experian has failed to take the appropriate actions and continues to report damaging and fraudulent information on my credit file.

This inaction constitutes a violation of my rights under the FCRA and is impeding my ability to recover from the financial harm caused by the trafficking. According to Section 605C, survivors do not need to provide additional evidence to prove their connection with to trafficking beyond self Attestation. Experian is required to act promptly to ensure that no further harm is caused by continuing to report this inaccurate and unjust information. 

I expect Experian to immediately comply with its legal obligations by removing all adverse information connected to the trafficking. Should this issue not be resolved in a timely manner, I will pursue further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. 

I trust Experian will act promptly to address this matter and ensure full compliance with the law. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-09-26
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX EXPERIAN REPORT NUMBER : XXXX Subject : Non-Compliance with Section 605C and 605C ( b ) of the Fair Credit Reporting Act Trafficking Victim To Whom It May Concern, I am writing to bring to your attention Experian 's failure to comply with Sections 605C and 605C ( b ) of the Fair Credit Reporting Act ( FCRA ), which require the removal of adverse information from the credit report of a trafficking victim within 4 business days I have already provided Experian with the necessary documentation proving my status as a victim of trafficking and that is my self Attestation form, in accordance with the provisions of Section 605C ( b ). Under this section, Experian is legally obligated to block or remove any adverse items resulting from the trafficking. Despite this, Experian has failed to take the appropriate actions and continues to report damaging and fraudulent information on my credit file. 

This inaction constitutes a violation of my rights under the FCRA and is impeding my ability to recover from the financial harm caused by the trafficking. According to XXXXection 605C, survivors do not need to provide additional evidence to prove their connection with to trafficking beyond self Attestation. Experian is required to act promptly to ensure that no further harm is caused by continuing to report this inaccurate and unjust information. 

I expect Experian to immediately comply with its legal obligations by removing all adverse information connected to the trafficking. Should this issue not be resolved in a timely manner, I will pursue further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. 

I trust Experian will act promptly to address this matter and ensure full compliance with the law. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX