davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
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)

Subject : Complaint Against Credit Bureau for Failure to Reinvestigate and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EXPERIAN ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with XXXX XXXX XXXX XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau, as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing. 
The relevant details of my dispute are as follows : - Account Holder : XXXX XXXX XXXX XXXX - Creditor : XX/XX/XXXX- Account Number : XXXX - Dispute Reference Number : Complaint Number XXXX, XXXX. 
- Date of Original Dispute : XX/XX/year> I have attached copies of all correspondence related to my dispute, including my initial dispute letter, supporting documentation, and the responses received from the credit bureau. 
This failure to reinvestigate and correct the inaccurate information is a clear violation of my rights under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( A ) ). I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations. 
Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side. 
Thank you for your attention to this matter.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (FL)

I'm concerned about the unfamiliar inquiries on my credit report. I didn't authorize nor consent to these companies accessing my information or have applied to them, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Consumer complaint received 2024-07-23
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. (MI)

XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-07-23
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-23
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (OR)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account the following is completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with at the accounts listed and the date that you spoke with them. I also want a confirmation of the address and phone number for the company.
Consumer complaint received 2024-10-09
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 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814.

PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX XXXX to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. 
I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. 
Summary of Discrepancies : XXXX. 
High Balance : Experian reports {$0.00}, while XXXX and XXXX report {$680.00}. 
XXXX. 
XXXX. 
Last Verified : Only XXXX reports a date ( XX/XX/XXXX ). 
Date of Last Activity : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. 
Date Opened : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ). 
XXXX. 
Balance Owed : Experian reports {$10.00}, while XXXX and XXXX report {$0.00}. 
XXXX. 
XXXX. 
Closed Date : Only XXXX reports a date ( XX/XX/XXXX ). 
Account Rating : XXXX reports Derogatory, while XXXX and Experian report Paid. 
XXXX. 
Creditor Type : XXXX lists National Credit Card Companies, while XXXX and Experian list Bank Credit Cards. 
XXXX. 
Creditor Remarks : Different remarks from each bureau. 
XXXX. Last Payment : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. Account Type : XXXX reports Secured credit card, Experian reports Credit line secured, and XXXX does not report. 
XXXX Credit Limit XXXX XXXX XXXX {$0.00}, while XXXX and Experian report {$500.00}. 
XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX XXXX to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. 
I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. 
Summary of Discrepancies : XXXX. 
XXXX XXXX : Experian reports {$0.00}, while XXXX and XXXX report {$680.00}. 
XXXX. 
XXXX. 
Last Verified : Only XXXX  reports a date ( XX/XX/XXXX ). 
Date of Last Activity : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. 
Date Opened : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ). 
XXXX. 
Balance Owed : Experian reports {$10.00}, while XXXX and XXXX report {$0.00}. 
XXXX. 
XXXX. 
Closed Date : Only XXXX reports a date ( XX/XX/XXXX ). 
Account Rating : XXXX reports Derogatory, while XXXX and Experian report Paid. 
XXXX. 
Creditor Type : XXXX lists National Credit Card Companies, while XXXX and Experian list Bank Credit Cards. 
XXXX. 
Creditor Remarks : Different remarks from each bureau. 
XXXX. Last Payment : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. Account Type : XXXX reports Secured credit card, Experian reports Credit line secured, and XXXX does not report. 
XXXX Credit Limit XXXX XXXX XXXX {$0.00}, while XXXX and Experian report {$500.00}. 
XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Consumer complaint received 2024-07-23
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Update of Personal Information Dear Sir/Madam, I am writing to request an update to my personal information on my credit report. There is a bunch of information that isnt mine reporting on my credit. Please find below my updated details : - - - **FRAUDULENT Information : ** ( BELOW IS ALL THE INFORMATION THAT IS FRAUDULENT AND HAS NO RELATION TO ME AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY ) - Addresses : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - - - **REAL/NEW Information : ** ( BELOW IS ALL THE NEW/REAL INFORMATION I NEED MY CREDIT REPORT UPDATED TO ; ANY INFORMATION THAT DOES NOT MATCH NEEDS TO BE REMOVED ) - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - Phone Number : ( XXXX ) XXXX - Email Address : XXXX - - - Attached are copies of documents to verify my identity and the changes requested : 1. Government-issued ID ( drivers license ) 2. Proof of address ( e.g., utility bill, lease agreement ) Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX XXXX -- -
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-23
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I have to alleged accounts posted on my credit report XXXX XXXX XXXX These 2 accounts have been reporting on my credit report for about 8 years now, I tried repeatedly over and over to get my results from the credit bureaus & to get them to stop reporting this false information on my account but every time I reach out to them I get no follow up answered been trying for years. The alleged account has multiple errors posting to my account 1. Statue of limitations account was opened in XXXX we are now in XXXX thats 8 years 2. Address not on my credit profile for the original allege debt XXXX.Disputed in the pass and failed to contact me back regarding my dispute 4.Account is no longer report to my XXXX report 5.Account payment history is inaccurate and reporting wrong There are 2 of the DEPT OF EDUCATION accounts First Account is in the amount of {$2000.00} Second account is in the amount of {$1200.00} Information to verify me with the bureaus XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email - XXXX XXXX XXXX
Consumer complaint received 2024-07-23
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple requests to investigate the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Consumer complaint received 2024-07-23
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)

Experian has neglected to correct missing account data and Experian neglected to align with the FCRA and continues to violate FCRA 15 USC 1681 & FCRA 15 USC 1681i. They have claimed to investigated several times yet refuse to update or remove these items. Experian intentionally reports items without thorough verification and accuracy. Legal action will be the next steps. 


XXXX- Delete/ Remove/ Do not report Account 1. The balance, updated balance, recent payment, close date, monthly payment, and term data is missing? 
2. Who is the original creditor? 
3. What was the payment amount in XX/XX/XXXX? 
4. What was the payment amount in XX/XX/XXXX? 

XXXX- Delete/ Remove/ Do not report Account 1. The balance, updated balance, recent payment, close date, monthly payment, and term data is missing. 
2. Who is the original creditor? 
3. What was the payment amount in XX/XX/XXXX? 
4. What was the payment amount in XX/XX/XXXX? 
5. What was the recent payment amount?
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (FL)

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.

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 2024-07-26
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. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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