davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX Chat XXXX we got on lock boo, CFPB COMPLAINT : USE THIS LINK TO ACCESS PERSONAL STATEMENT As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX Please delete the following accounts. XXXX XXXX  account balance {$390000.00}, date open XX/XX/year> XXXX account number XXXX balance XXXX XXXX account XXXX balance XXXX XXXX balance XXXX XXXX Account number, XXXX XXXX account number XXXX balance XXXX XXXX XXXX XXXX account number XXXX balance XXXX, XXXX XXXX  account number XXXX balance {$680.00} XXXX account number XXXX bal XXXX XXXX Account number XXXX bal {$140.00} XXXX account number XXXX bal XXXX XXXX XXXX  XXXX account number XXXX bal XXXX XXXX XXXX XXXX bal XXXX account number XXXX XXXX XXXX XXXX account bal {$850.00} account number XXXX XXXX XXXX XXXX Balance {$160.00} account number XXXX XXXX XXXX XXXX Bal XXXX
Consumer complaint received 2024-09-21
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)

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

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-18
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. (LA)

XXXX am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as follows : Creditor Name : XXXX  XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report

( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). C
ontinuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Credit reporting agencies have been submitting false information entirely. As of XX/XX/year>2024, I noticed discrepancies throughout my report. Inaccurate reported has been posted to my account. As I scroll through each account, there are plenty inaccuracies that can not possibly be considered me, such as : address, account balance, phone numbers, and some reports are blank. 

Some of these accounts have been reported in the past, but I never took the time to actually get a copy of my credit report. Documentation such as debt verification and validations have all been mailed through certified mail with a return to sender receipt and nothing has yet to be removed. 

Imaging seeing opportunities that you are ineligible for due to inaccurate documentation. I deserve better, but instead inquiries can pile up if you ever need assistance. Imagine having accounts proven not belonging to you or being inaccurate ; it starts a XXXX and paying debts not needed.
Consumer complaint received 2024-09-18
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. (LA)

XXXX am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as tollows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
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. (HI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello and good day! There are 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 2024-09-18
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)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-09-18
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following accounts and credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report is fraudulent and not my account : XXXX XXXX XXXX XXXX, XXXX, {$370.00}, XXXX XXXX XXXX, XXXX. XXXX, {$2000.00}, XXXX XXXX XXXX, {$570.00}, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX, XX/XX/2022
Consumer complaint received 2024-09-21
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. (NC)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Request for Assistance Regarding Experian and Employment Purposes Violation Dear CFPB Team, I hope this letter finds you well. I am writing to seek your assistance concerning an ongoing issue I have been experiencing with Experian, a consumer reporting agency. It has come to my attention that Experian continues to use my personal information for employment purposes, which I believe violates 15 U.S. Code 1681b, specifically regarding permissible purposes of consumer reports. 

As stated in subsection ( A ) of this code, a consumer reporting agency may furnish a consumer report only under specific circumstances, including when the information is intended for employment purposes. Despite my repeated attempts over the past XXXX months to rectify this issue with Experian, I have not seen any progress. 

I would greatly appreciate your guidance and assistance in resolving this matter promptly. Thank you for your attention to this issue, and I look forward to your response. 

Sincerely,
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX  Account : XXXX and Account : XXXX listed on XXXX, XXXX, & Equifax to reverse the late payments on my consumer report, to no avail. 
XXXX  has charged to my account LATE CHARGES, and XXXX, XXXX, & Equifax have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ).

I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.
Consumer complaint received 2024-09-18
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. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with 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. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Please note that this is not a duplicate request nor filed by a XXXX XXXX XXXX XXXX XXXX. I'm filing this CFPB complaint to request pursuant to FCRA XXXX ( 15 U.S. Code 1681c2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XX/XX/XXXX Account Number : These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, and or hard inquires as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2024-09-18
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. (LA)

Dear Consumer Financial Protection Bureau, I am writing to formally notify you that my identity has been stolen, and despite taking the necessary steps to address the issue, no resolution has been reached after more than 30 days. I have taken the following actions to rectify the situation : I have contacted all three major credit bureaus ( XXXX, Experian, and XXXX ) to report the identity theft and requested that they take immediate corrective action on my credit report. 
I have filed a formal complaint with the Federal Trade Commission ( FTC ) and created an Identity Theft Report through the FTC 's identity theft process. 
Despite these steps, the fraudulent information remains on my credit reports, and no resolution has been provided. It has now been over 30 days since I initially reported the identity theft, and I am seeking your assistance to expedite the deletion of all fraudulent accounts and information from my credit file. 

Please take immediate action to ensure that my rights as a consumer are protected, and that my credit report reflects accurate information. 

Thank you for your urgent attention to this matter.
Consumer complaint received 2024-09-18
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. (LA)

1 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as follows : Creditor Name : XXXX  XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year>2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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.