davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

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 XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern, I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. 

XXXX XXXX XXXX XXXXXXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXX - XXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXX XXXX - XXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX - XXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

During XX/XX/XXXX I made a credit transfer from my XXXX XXXX Credit Card to pay off a Macy 's balance of {$1000.00} XX/XX/XXXX I received a call from Macy 's indicating they did not receive my payoff and I needed to pay {$120.00}. I paid the amount and closed out the Macy 's account. 
XX/XX/XXXX Macy 's started reporting me late so I disputed this with all three credit companies with a copy of the letter from XXXX XXXX that the amount of {$1000.00} was paid. 
As this is going on Macy 's kept my account open but increased my credit limit on a closed account. 
I reached out to Macy 's through there dispute information in XX/XX/XXXX. 
During this time Macy 's reported back the amount was correct and I owed the money. 
After repeatedly disputing the amount being paid off during XXXX of XXXX, Macy 's agreed the account was closed by customer and applied my XX/XX/XXXX payment during the month of XX/XX/XXXX and credited me around {$35.00} credit for late fees. 
During the month of XX/XX/XXXX I was not report to the three credit bureaus as delinquent but they raised my credit limit on a closed account and stated I owe {$200.00} plus dollars. 
Today is XX/XX/XXXX and Macy 's has been reporting me again delinquent to all three credit bureaus since XX/XX/XXXX. My credit score is ruined I have proof of it.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

AS Consumer by law Disputed Items below should be Deleted in my credit report Immediately!
Consumer complaint received 2024-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (IN)

I was downsized & unemployed for XXXX  months field for a loan modification *I have over $ XXXX equity in the XXXX & owe them $ XXXX they ran me through the ringer for the past year I had sent over no less than XXXX pages of documentation, XXXX phone calls & XXXX emails. I was just notified I was denied the modification & that I had to either pay the entire past due upfront or pay {$2300.00} per month XXXX used to pay {$1200.00}. I do not have the extra money to do either. I cant reach them ( Citizens directly ) & Shellpoint says they cant help. I have been a great customer until I was downsized. My XXXX XXXX XXXX approved me for the modification. XXXX has over XXXX complaints with the XXXX  & makes it impossible to contact anyone directly. I am a sXXXX XXXX with XXXX kids in college asking to put the past amount due on the back of the loan so I can catch up. Please help me get this resolved asap. Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX 2022
Consumer complaint received 2024-09-26
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. (NC)

I am writing to file a formal complaint regarding an unauthorized inquiry that appears on my Experian credit report. Specifically, XXXX XXXX XXXX XXXX made an inquiry on XX/XX/year>, which I did not authorize. 

I have already written on XX/XX/year> to Experian regarding this issue, but I have yet to receive a response or confirmation that the matter is being addressed.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

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 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I would like to assert that my right to privacy is of the utmost importance. This dispute letter serves as an exercise of that right. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully obligated to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am exercising this right under that law. Therefore, I request that all information provided in this letter be handled with the highest degree of fairness, impartiality, and respect for my privacy. 

Furthermore, under 15 U.S. Code 1681b ( permissible purpose ), I have not granted this company any permissible purpose to access my information. This is a direct violation of the code, and I am requesting the removal of the following accounts from my credit report as they are negatively affecting my reputation, character, creditworthiness, credit standing, and credit capacity. Given your obligation to safeguard my privacy, I expect this matter to be addressed with urgency. 


XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-20
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. (WY)

Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer social security : # XXXX This cfpb complaint has been filed to request pursuant to fcra 605b 15usc1681 XXXXthat you, experian credit reporting agency, block information appearing on my consumer credit report that is the result of idenity theft and fraud/data breach within 4 business days of you receiving this complaint.The following accounts are result of idenity theft I am attaching copy of the FTC identity theft criminal complaint XXXX XXXX as proof. # XXXX XXXX acount # XXXX balance {$1400.00} opened on XX/XX/XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$500.00} opened XXXX # XXXX XXXX XXXX XXXX XXXX XXXX balance {$6400.00} opened on XX/XX/XXXX # XXXXXXXX XXXX account # XXXX balance {$26000.00} opened on XX/XX/XXXX the aforementioned accounts where not opened made or initiated by me and are the result of idenity theft and fraud/data breach.i demand youbblock these accounts within 4business days of receiving this complaint.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (NV)

This letter serves as a formal complaint regarding inaccurate credit information that has been included in my credit profile. I am extremely distressed about the inclusion of the following information, as it has significantly damaged my good credit standing. As you are well aware, credit reporting laws mandate that credit bureaus report only accurate information. The inclusion of this erroneous information is a serious breach of these laws and must be rectified immediately.
Consumer complaint received 2024-09-19
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: Amsher Collection Services, Inc. (GA)

I am writing to formally dispute the validity of the collection account reported by your agency on my credit report in connection with XXXX XXXX referencing an alleged debt of {$1700.00} for an XXXX XXXX. I have never received the XXXX in question, and I have been disputing thismatter with XXXX for the past seven months. XXXX has confirmed that the device was returned, and I do not owe any balance on this account.
Consumer complaint received 2024-09-20
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)

Consumer Name : ( XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX  Opened XX/XX/year>, XXXX XXXX opened XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX