davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
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. (KY)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) | to support my identity theft claim. Under 15 U.S.C. 
1681c-2, when a consumer files an identity theft report, credit reporting agencies must block any information that the consumer identifies as a result of the identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : account name : XXXX XXXX XXXX, number : XXXX date opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, at which time I can request an extension of the block. During the block, you will not be able to report that it no longer contains fraudulent information. Several times I have called the bureau reporting these fraudulent accounts on my report and Experian XXXX and XXXX have not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these charges were eliminated and not verified by other bureaus I don't understand how they usually say that these accounts are mine, that's why I request that they send me all the documentation to verify that this information is true. I have applied for contracts with this company with my information and for over 60 days I have not heard back from them, please help me delete these accounts immediately.
Consumer complaint received 2024-07-20
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. (WI)

As per 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 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 Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as victim determination letter according to 1022.143 ( b ) ( 6 ).
Consumer complaint received 2024-07-20
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. (IL)

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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-20
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. (CA)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX 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  DATE OPENED XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing at reasonable rates. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Consumer complaint received 2024-07-20
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. (PA)

According to 15 USC 1666b a creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. 

XXXX Account # XXXX  PLEASE UPDATE & REMOVE THIS LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2024-07-20
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. (DC)

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 2024-07-20
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. (AL)

n 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 2024-07-20
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, 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 Credit Reporting Act. I have given you my identification as well as 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 ).
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX XX/XX/year>, XX/XX/year> ). These CAN NOT be reporting accurately because the account was CLOSED in XX/XX/year> and my status was CLOSED/NEVER LATE. This can be verified on my XXXX report which I have attached to this complaint. So my account can not have been reporting as late if it was already closed, which makes this CLEARLY INACCURATE REPORTING. I demand these payments immediately be updated to PAID/CLOSED NEVER LATE just like it shows in my XXXX report.
Consumer complaint received 2024-07-20
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. (NJ)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-20
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)

I disputed the missed/late payments on my negative accounts because I've never been late or missed a payment. 

I also asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the negative accounts. 

Lastly, I asked for proof from the original creditors of these collection companies that the debt collector owns this debt and has the legal authority to collect it or delete this account. 

All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update balances or anything. Collections companies didn't provide proof either. 

These are the accounts : XXXX Charge account with account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with account XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX with account XXXX XXXXXXXXXXXX XXXX Charge account with account XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account XXXX XXXXXXXX XXXX Charge account with account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. Unsecured loan with account XXXX XXXXXXXX XXXX Charge account with account XXXX XXXXXXXX XXXX Charge account with account XXXX XXXXXXXX Collection account from XXXXXXXX XXXX XXXXXXXX with account XXXX XXXXXXXX Collection account from XXXX XXXXXXXX XXXX XXXXXXXX with account XXXX XXXXXXXX Collection account from XXXX XXXX XXXX with account XXXX XXXXXXXX Collection account from XXXX XXXXXXXX XXXX XXXXXXXX with account XXXX XXXXXXXX
Consumer complaint received 2024-07-20
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. (CA)

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. 

1. XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

2. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

3. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

5. XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

6. XXXX XXXX XXXXXXXX, has violated my rights. 

7. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

8. XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

A. 15 U.S.C.1681 Section 602 A states I have the right to privacy. 

B. 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. I did not and do not give my written instructions for these accounts to be published. 

C. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information such as adverse items of information, other than records of conventions of crimes which antedates the report by more than seven years. 

D. 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 the information is inaccurate.
Consumer complaint received 2024-07-20
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. (NC)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. ( Credit Bureau- XXXX XXXX XXXX failed to investigate this account properly after I repeatedly asked to have the account update your neglect has once again violated my consumer rights, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-29
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-20
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. (NE)

I noticed on my credit report unauthorized and unknown accounts that I did not do or approve. I tried mailing letters to help remove the items all year in XXXX and partial of last year in XXXX. I was impacted by the data breach and at some point my score and report got messed up and it is hurting my profile. please remove!
Consumer complaint received 2024-07-20
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX 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 Credit Reporting Act. I have given you my identification as well as 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 ).
Consumer complaint received 2024-07-20
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. (IN)

Experian.. XXXX and XXXX are reporting negative information on my report without providing the process in which the debt was validate pursuant to section 609 of the FCRA the are telling me to get the information from they creditor if they havent been supplied with this information to validate the debt they can not legally report it on my credit
Consumer complaint received 2024-07-20
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. (CA)

In accordance with the fair credit reporting act, this creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604 A section 2, also states a consumer reporting agency, can not furnish an account without my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!