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 — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint against Experian for its persistent failure to correct erroneous information on my credit report, despite numerous disputes and the provision of supporting documentation. This ongoing issue constitutes blatant violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 
XXXXAccount Details and Inaccuracies : ** XXXX. XXXX XXXX ( Account Number : XXXX ) - **Experian Inaccuracies : ** - Account status is marked " Closed '' with " Current '' payment status, yet it also lists derogatory remarks and mentions bankruptcy, which is incorrect. This is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, requiring accurate reporting. 
- The creditor remarks falsely state " Debt included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX, '' which is untrue and misleading, violating both FCRA and FDUTPA. 
- XXXX and XXXX correctly report this account as closed with a {$0.00} balance and no derogatory remarks, highlighting the inaccuracies in Experian 's reporting. 

XXXX. XXXX XXXX ( Account XXXX : XXXX ) - **Experian Inaccuracies : ** - The account is reported with a " Collection/Chargeoff '' status and lists an unpaid balance reported as a loss, despite the balance being {$0.00}. This contradiction violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, which mandates accurate reporting. 
- The remarks state " Debt included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX, '' which is incorrect and misleading. This false information violates the FCRA and FDUTPA. 
- XXXX and XXXX do not report any derogatory status or collection/chargeoff for this account, indicating that Experian 's report is inaccurate. 
- Experian lists a last activity date of XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
- The reported dates also do not match, with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. 

These discrepancies between the information reported by Experian and the actual account statuses indicate a failure to adhere to FCRA and FDUTPA regulations. This non-compliance results in the dissemination of false information, damaging my creditworthiness and causing financial harm. 

Additionally, I have attached the credit report highlighting the inaccurate information for your reference. The attached document clearly shows the discrepancies between the reported information and the actual account details.
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. (VA)

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

[ Identify item ( s ) resulting from XXXX that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this
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. (VA)

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

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

SS : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to formally dispute several inaccuracies in my credit report and request the immediate removal of incorrect information. Upon thorough review, I have identified multiple discrepancies, including erroneous names and addresses that do not pertain to me. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a past victim of identity theft, I am particularly vigilant about maintaining the accuracy of my credit profile. These inaccuracies not only misrepresent my personal information but also pose a serious risk to my financial standing and creditworthiness. I affirm that the names and addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

To ensure the integrity of my credit profile, I request that XXXX conduct an expedited investigation and remove the incorrect names and addresses from my credit report. These errors are compromising my credit profile and could potentially lead to further issues if not addressed promptly. 

Enclosed with this letter are copies of the following documents to verify my identity and current address : Government-issued ID Recent utility bill Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any inaccuracies in my credit report. I expect XXXX to address these discrepancies with the urgency they warrant and to confirm in writing once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please confirm receipt of this dispute and the steps being taken to rectify these errors. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
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. (FL)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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. (NY)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Please make all listed below update or deleted in my credit report!
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint against Experian for its persistent failure to correct erroneous information on my credit report, despite numerous disputes and the provision of supporting documentation. This ongoing issue constitutes blatant violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 
XXXX*Account Details and Inaccuracies : ** XXXX. XXXX XXXX ( Account Number : XXXX ) - **Experian Inaccuracies : ** - Account status is marked " Closed '' with " Current '' payment status, yet it also lists derogatory remarks and mentions bankruptcy, which is incorrect. This is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, requiring accurate reporting. 
- The creditor remarks falsely state " Debt included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX, '' which is untrue and misleading, violating both FCRA and FDUTPA. 
- XXXX and XXXX correctly report this account as closed with a {$0.00} balance and no derogatory remarks, highlighting the inaccuracies in Experian 's reporting. 

XXXX. XXXX XXXX ( Account XXXX : XXXX ) - **Experian Inaccuracies : ** - The account is reported with a " Collection/Chargeoff '' status and lists an unpaid balance reported as a loss, despite the balance being {$0.00}. This contradiction violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, which mandates accurate reporting. 
- The remarks state " Debt included in or XXXX through XXXX XXXXXXXX XXXX, XXXX, or XXXX, '' which is incorrect and misleading. This false information violates the FCRA and FDUTPA. 
- XXXX and XXXX do not report any derogatory status or collection/chargeoff for this account, indicating that Experian 's report is inaccurate. 
- Experian lists a last activity date of XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
- The reported dates also do not match, with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. 

These discrepancies between the information reported by Experian and the actual account statuses indicate a failure to adhere to FCRA and FDUTPA regulations. This non-compliance results in the dissemination of false information, damaging my creditworthiness and causing financial harm. 

Additionally, I have attached the credit report highlighting the inaccurate information for your reference. The attached document clearly shows the discrepancies between the reported information and the actual account details.
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. (FL)

I am writing to formally lodge a complaint regarding a fraudulent account reported on my credit report by Experian. The account in question is associated with XXXX XXXX XXXX and is entirely unauthorized and fraudulent. 

Despite my repeated attempts to resolve this issue directly with Experian and XXXX XXXX XXXX, the erroneous account remains on my credit report, negatively impacting my credit score and overall financial standing. 

To provide you with a clear picture of the situation, here are the relevant details : - Creditor : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/year> I have attached copies of the following documents to support my claim : 1. A copy of my credit report showing the fraudulent account. 
2. Correspondence with Experian and XXXX XXXX XXXX regarding the dispute. 
3. A police report filed for identity theft, if applicable. 
4. Any other relevant documentation proving the account is fraudulent. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian promptly removes the fraudulent account from my credit report. This account has caused significant distress and inconvenience, and I am eager to resolve this matter as soon as possible. 

Thank you for your attention to this important issue. I look forward to your prompt assistance. 

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXX. XXXX XXXX, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact.

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency ( XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from Experian that your agency ( XXXX XXXX XXXX ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer report.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Name XXXX XXXX Address 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  Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name XXXX XXXX XXXX  account number XXXX This account is being reported inaccurately, please remove this from my credit report immediately
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. (AL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XX/XX/year> Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding for the following items : Party Owed : XXXX XXXX. 
Amount : {$850.00} Party Owed : XXXX XXXX. 
Amount : {$600.00} Party Owed : XXXX XXXX Amount : {$510.00} Party Owed : XXXX XXXX Amount : {$1900.00} Party Owed : XXXX XXXX Amount : {$250.00} Party Owed : XXXX  Amount : {$1000.00} Party Owed : XXXX  XXXX  Amount : {$3000.00} Party Owed : XXXX XXXX Amount : {$2500.00}
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

for the past four years, I have been working on my credit. I have paid everything off, Ive paid everything on time and Ive stayed on top of the reporting. I am up to date with everything. Earlier This year, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  all of a sudden started reporting a collection that was not mine of {$2400.00}. Their dates and everything theyre trying to say I took out a payday loan do not add up. I did take out a payday loan In XXXX but it was not with XXXX XXXX  who they are saying i did. I have already paid that off that was already dealt with and removed years ago. All of a sudden this random place, XXXX XXXX XXXX is texting me, messaging me, calling threatening me saying theyre gon na take my wages and theyre gon na send me to jail Theyre gon na take me to court. This is 100 % not my account. Ive disputed it and it was taken off of my credit but then I woke up this morning to a XXXX point drop and go figure the account is back on my credit. This makes no sense nobody has verified it with me and Im sure the credit bureaus arent even verifying it. This should be illegal. I would like somebody to take care of this because its not mine and if this is happening to me, how many other people are being screwed over by this company?
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I recently received my credit report from XXXX and the IRS stated that a charge-off is forgiven for less than the amount owed, cancelation of debt may accur if the creditor can't collect, or gives up on collection, and they file on there tax return as a loss! So how are you XXXX XXXX XXXX reporting ( income ) on my canceled debt of XXXX XXXX XXXX XXXX XXXX XXXX this amount is absolutely not accurate please explain