davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MD)

I filed a dispute with Experian. Within XXXX days I received a response that that dispute was closed/ resolved. Nothing ever changed. Both XXXX and XXXX removed the items from my report due to it being false information. Experian did not investigate the false information and has not removed it from my credit report with them. When I called Experian the representative said they do not do disputes and I was basically out of luck. These items on my credit report are false, and how do I get them removed if Experian will not do an investigation?
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-07-30
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. (MI)

To Whom It May Concern, Please be advised this is my XXXX  WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (VA)

I received a court order form by mail, stating that my bank account was going to be garnished due to unpaid funds to XXXX XXXX XXXX. I called the phone number listed on the garnishment paperwork and told the company I never owned an account with XXXX XXXX. The only information I was able to obtain was that the account was open back in XXXX  and there was a balance on the credit card that was never paid. The person over the phone stated they spoke with an unidentified person who told them their was a check in the mail, but it never was delivered. I asked what the phone number was on file, because nobody ever called my phone about this matter, and they told me they could not give out that information over the phone. I repeatedly told them I have never had any type of accounts with this company, but they have taken money out of my bank account to cover their lost funds. The only information they had of mine was my name and address.
Consumer complaint received 2024-07-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX To Whom It XXXX Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX by the accounts listed below. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2024-07-30
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. (AL)

I am writing to file a formal complaint against Experian concerning their handling of a recent dispute I submitted. The issues I am experiencing with Experian involve violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which pertains to the reinvestigation of disputed information. 

On XX/XX/year>, I submitted a written dispute to Experian regarding inaccuracies in my credit report. However, on XX/XX/year>, I received a communication from Experian stating that they would not process my dispute. Their rationale was that the dispute seemed to be submitted by a third party or that it was not authorized by me. 

To resolve this issue, I called Experian on XX/XX/year>, to confirm that the dispute was indeed submitted by me and to request that they process it. Despite my clear and verifiable confirmation, Experian refused to process the dispute and advised me to dispute the matter via phone instead. This refusal to process my written dispute is a clear violation of the FCRA 's provisions. 
Specifically, Experians actions contravene : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that upon receiving a notice of dispute from a consumer, a credit reporting agency must investigate the disputed information. By refusing to process my dispute, Experian has failed to fulfill this obligation.

15 U.S.C. 1681i ( a ) ( 2 ) : This section requires that the credit reporting agency must conduct a reasonable investigation of the dispute and provide a notice of the results. Experian 's refusal to process the dispute prevents any investigation from occurring, thus failing to comply with this requirement.

15 U.S.C. 1681i ( a ) ( 6 ) : This section obligates the credit reporting agency to provide a notice of the dispute to the information provider and to include a statement of the dispute in the consumer 's credit file. By not processing my dispute, Experian is not meeting these requirements. 

I request that the CFPB intervene in this matter and ensure that Experian complies with the FCRA requirements. Please advise on the next steps to take in addressing this issue and any further information I need to provide. 

Thank you for your attention to this matter. I look forward to your response.
Consumer complaint received 2024-07-30
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-30
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 writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-30
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-07-30
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. (SC)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX Dear XXXX XXXX XXXX, I am writing to formally request validation of the debt you claim I owe, as referenced by the above account number. Please note that I dispute this debt and request that you provide sufficient evidence of its validity in compliance with the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I ask for : XXXX. Proof that XXXX XXXX XXXX owns the debt or has been assigned the debt. 
XXXX. A complete payment history, including all interest, fees, and charges. 

In light of the precedent set by *Pacific Concrete FCU v. Kauanoe*, 62 Haw 334, mere statements are not sufficient evidence of a debt. Therefore, I request that you cease sending statements as validation. Instead, provide actual documentation proving the debt. 

Additionally, this letter serves as a formal cease and desist request for all forms of communication with me, including but not limited to phone calls, emails, letters, and any form of electronic communication. Note that under this cease and desist order, reporting to consumer reporting agencies is also considered a form of communication. As such, I demand that you remove any and all references to this disputed debt from my consumer reports with immediate effect. 

Please be aware that continued attempts to collect this debt, including reporting it to consumer reporting agencies, will be considered harassment and abuse under the FDCPA. Should you fail to comply with this request, I will have no choice but to pursue legal action against your company for these violations. Below is an itemized list of potential costs should I choose to litigate : 1. Attorney Fees : {$2500.00} 2. Court Filing Fees : {$400.00} 3. Process Server Fees : {$100.00} 4. Damages for Emotional Distress : {$5000.00} 5. Statutory Damages under FDCPA : {$1000.00} 6. Costs for Time and ResourceXXXX : {$1000.00} Total Potential Costs : {$10000.00} I trust this matter will be resolved promptly to avoid any unnecessary legal actions. Please provide the requested validation documentation within 30 days of receipt of this letter. If you fail to do so, I will consider the debt invalid and expect its immediate removal from my records. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-30
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with XXXX XXXX. I have never been late on payments on the account : XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate and provide evidence with statements showing that this payment was made late. If no evidence can be provided, I demand that this payment be brought up to date on time, as it should be, as I have NEVER been late. Thank you.
Consumer complaint received 2024-07-30
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. (FL)

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with XXXX XXXX. I have never been late on payments on the account : XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate and provide evidence with statements showing that this payment was made late. If no evidence can be provided, I demand that this payment be brought up to date on time, as it should be, as I have NEVER been late. Thank you.
Consumer complaint received 2024-07-30
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. (DE)

I received a notification stating that there was an unauthorized inquiry from XXXX XXXX XXXX on XXXX. This unauthorized inquiry has affected my credit scoreprofile and is hindering me from using my credit. According to 18 USC 1028A this unauthorized inquiry needs to be removed from my consumer report immediately from all three credit agencies Experian, XXXX, and XXXX.
Consumer complaint received 2024-07-30
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. (NC)

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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

There is inaccurate information reporting on said consumer report. According to 15 USC Code 1681s-2, an agency is responsible for providing accurate info. Also I have no late payments. There is a violation of 15 USC Code 1681a. XXXX XXXX, XXXX # XXXX XX/XX/year> and XX/XX/year>.
Consumer complaint received 2024-07-30
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-30
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)

Tonight, I found inaccurate accounts on my credit report and I don't understand why. I checked my credit report as usual, but this time I noticed some discrepancies that weren't there before. I refreshed my browser to check if it was a technical error, but the inaccuracies persisted. Hence, I am requesting a detailed review of the documents I've provided to ensure this problem is permanently resolved.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint against XXXX XXXX  regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXX XXXX : {$1100.00}
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-30
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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.