davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the accuracy of three accounts listed on my Experian credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of which are marked as " Charge Off. '' These accounts should not be on my credit report, as the information is incorrect, and I am requesting their complete removal. 

I have previously contacted Experian and the respective creditors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve this issue, but the inaccurate information remains on my report. This erroneous information is significantly impacting my credit score and my ability to secure credit. 

I request that the Consumer Financial Protection Bureau intervene to have these accounts completely removed from my credit report. 

Here are the details of the disputed accounts : 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 {$7400.00} To verify the accuracy of this information, I am requesting the following documentation from each creditor : XXXX. The original signed contract or agreement for the respective account. 
XXXX. Full payment history, including dates and amounts of all payments made. 
XXXX. Documentation of the charge-off, including the date and reason for the charge-off. 
XXXX. Proof of notification that I was informed about the charge-off. 

If the creditors can not provide this documentation, I request that the CFPB instruct Experian to remove these accounts from my credit report entirely. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2023-10-30
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. (TX)

In accordence with the fair credit reporting act convergent. Account # XXXX. And account # XXXX. 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
Consumer complaint received 2024-07-22
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX
Consumer complaint received 2024-07-22
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)

With specific regards to FCRA code XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer. 

Failure to report these late payment accurately is a violation of consumer right to privacy and other rights under FCRA. XXXX is entitled thorough investigation of complaints as FCRA guarantees and any failure to do so is a violation where financial damages can be sought. Simply stating XXXX is not sufficient of a thorough investigation. 

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
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Several accounts are showing charged off/ written off as a loss to company/ closed due to inactivity. However, they all still show a past due balance None of the account have consistent/accurate information about the account. My concerns are the open date, last activity, open, date
Consumer complaint received 2019-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-07-21
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)

Hi EXPERIAN, I just receive a copy of my credit report and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. I was on the phone with the fraud team from XXXXXXXX XXXX XXXX XXXX  and they told me this account is no longer on their system. The fraud team also told me that I have the right to have this fraud account delete from my credit report since they already flag it as fraud. I would like to exercise my right to have this fraud account delete from my credit report.
Consumer complaint received 2024-07-21
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. (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have/am requested they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to.
Consumer complaint received 2024-07-21
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. (SC)

unfortunately, I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-21
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. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
The details of the disputed account are as follows : Creditor Name XXXX XXXX XXXX Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I am writing to dispute the collection account referenced above, which appears on my credit report. I am a victim of identity theft, and this account is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and request its removal if it can not be verified. The account in question was opened fraudulently using my personal information without my knowledge or consent. 

Upon contacting the collection agency to dispute this account, I was informed that they have the incorrect name associated with the account. Despite this acknowledgment, the collection account continues to appear on my credit report, causing significant harm to my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report and have it corrected or removed if it can not be verified. The collection agency 's failure to correct this error and the continued presence of this incorrect information on my credit report is a clear violation of my rights under the FCRA. 


The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I request that you : 1. Conduct an investigation into this matter.

2. Remove this fraudulent collection account from my credit report immediately.

3. Cease all collection activities related to this account.

4. Provide written confirmation that the account has been removed from my credit report.

I am requesting the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the collection agency and the credit reporting agencies comply with their obligations under the FCRA. This inaccurate information must be removed from my credit report promptly.

Please investigate this matter and instruct the collection agency and the credit reporting agencies to remove the incorrectly associated collection account from my credit report. I request a written confirmation once the investigation is complete and the account has been removed.

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-07-21
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. (FL)

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 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
Consumer complaint received 2024-07-21
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)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX XXXX, Contests of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that ALL 3 Credit Reporting Agencies XXXX XXXX XXXX, XXXX XXXX and Experian, block information on my consumer FICO Credit Report that is the result of identity theft or fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX  opened XX/XX/XXXX, account XXXX, another credit card at XXXX XXXX XXXX on XX/XX/XXXX, account XXXX, An auto loan opened at XXXX XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX, account XXXX. These accounts and additional listed within the complaint filed on this website, have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have sent complaints about the Hard Inquiries involving these accounts that I do not recognize as well. I have placed a complaint with FTC, FTC Report Number : XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit accounts are the result of Identity theft and fraud.
Consumer complaint received 2023-07-28
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: Experian Information Solutions Inc. (PA)

Ive submitted several disputes regarding the account XXXX XXXX XXXX, account number XXXX, with EXPERIAN XXXX XXXX XXXX & XXXX XXXX Ive submitted in detail how those late payments violate my rights as a consumer, according the FCRA. Yet, each time a dispute is opened, directly with the credit agencies, it takes them less than 3 days to do an investigation. NOT only that, but the information being reported isnt accurate. They have late payments reported different for each CRA. Attached below. I would like written documentation, PROOF, on how these investigations took place, and were reported updated. These late payments need to be reversed immediately. If no WRITTEN PROOF, on how the investigation took place, and each CRA verified that information, within the next 30 days, these payments need to be reversed. They violate 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer Report 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-07-21
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. (IL)

I was never late for these months. I have proof payment was made to the account. I was never late. Please update and make corrections for this account XXXX I was never late in XXXX of XXXX or XXXX of XXXX or XXXX of XXXX. Please update my account it hurting me from closed on a house.
Consumer complaint received 2024-07-22
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. (MO)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-22
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. (LA)

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 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 2024-07-22
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'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 2024-07-22
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. (CA)

I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do one of investigations on the accounts that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then The follow needs to be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
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 recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am filing a complaint against XXXX XXXX XXXX for the following key issues : 1. Improper Notification and Procedure : The company failed to provide proper notice and conduct the repossession sale in a commercially reasonable manner as required by law.

2. Inaccurate Reporting : The account was inaccurately reported on my credit report, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to Validate the Debt : The company did not properly validate the debt or provide a breakdown of the sale proceeds as required by the Fair Debt Collection Practices Act ( FDCPA ). 

These issues have caused significant financial and emotional distress.
Consumer complaint received 2024-07-21
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)

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 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 informatin requested from the list of acceptable itms 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 2024-07-21
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)

Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX I, XXXX, XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.