davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
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)

Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 


I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. 
I am seeking the immediate removal of the inaccurate charge off account from my credit report Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-09-28
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. (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 2024-09-28
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)

Request for Removal of Inaccurate Credit Information To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation
Consumer complaint received 2024-09-28
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. (MS)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-09-28
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. (NH)

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX XXXX under the XXXX account number, an account opened at XXXX XXXX on XXXX under the XXXX account, and an account opened at XXXX on XXXX under the XXXX account number. Unauthorized inquiries, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent late payments, charge-offs, inquiries, and fraudulent collections appearing on my consumer XXXX Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-09-28
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. (WA)

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's XXXX of the few things I want to be protected, my life is already stressful as it is.
Consumer complaint received 2024-09-28
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. (MS)

I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information.
Consumer complaint received 2024-09-28
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. (MS)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-28
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)

XXXX XXXX  open a credit card in my name through the pandemic with out my knowledge this credit card does not belong to me I have called multiple times and ask them to take this off my credit report they have committed fraud and identity theft afoant me by using my information to open this credit card in my name, I want this card removed from my credit report immediately, I will sue this company for damages and keep these complaints as proof that XXXX XXXX  will not provide evidence to me as I requested they have refused, this XXXX XXXX  needs to be investigated because this card was open when the coronavirus started and this has caused XXXX problems with finding work and has did damage, Im demanding that XXXX XXXX  removed this off my credit report, I have spoke to them on the phone problem is they have sent me to several different departments nobody wants to speak to me about the issue and problem, they hang up on me, all there doing is using my identity to try and keep my information, they have sent things through the mail wanted me knowing I do not stay at that address which it is my girlfriends address not mine shes fixing it file a complaint for harassment because my information was leaked on the web with all my information because other credit cards were open in my name and those credit card companies took me serious I done showed XXXX XXXX  the amount of identity theft that had happen to me and they will not take this serious this is my last straw I will sue this company for actual damages, Im tired of this completely this card was not open
Consumer complaint received 2024-09-30
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. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX  # 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. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states a 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 antidotes the report by more than XXXX  years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-28
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. (NJ)

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.

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-28
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-30
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 information was stolen and as a resulted there was identity theft and unauthorized hard inquiries on my credit report. These inquiries, which do not belong to me an do know were they cam from because it was done without my authorization, and because of it I have had a significant negative impact on my credit score. As a result of this inaccurate reporting, I am now facing discrimination from banks and credit unions, who may view my credit history unfavorably due to these unjust inquiries. This situation is not only damaging to my financial reputation but also limits my access to essential financial services.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these inaccuracies, and the Identity Theft and Assumption Deterrence Act provides additional protections for victims. I believe I am entitled to compensation for the damages caused by this situation and seek your assistance in rectifying it.
Consumer complaint received 2024-09-28
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. (NC)

I would like to dispute the following negative accounts on my credit report. 

XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX  Account Number : XXXX {$13000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$950.00} XX/XX/XXXX XXXX Account Number : XXXX {$9600.00} XX/XX/XXXX Account Number : XXXX {$87.00} XX/XX/XXXX XXXX  Account Number : XXXX {$12000.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX  Account Number : XXXX {$13000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$950.00} XX/XX/XXXX XXXX  Account Number : XXXX {$9600.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX  Account Number : XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$950.00} XX/XX/XXXX XXXX Account Number : XXXX {$9600.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 a few accounts : ACCOUNT NAME : XXXX original creditor! bought by debt collector XXXX  ACCOUNT XXXX DATE OPENED : XX/XX/year> ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX bought by XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX DATE XXXX HARD INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud
Consumer complaint received 2024-09-28
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. (TN)

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 XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX 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 2024-09-28
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-28
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)

Debt Validation Letter sent Cert Mail XX/XX/XXXX CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute Regarding Account [ XXXX ] and Failure to Provide Validation To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my credit reports and to address a failure to respond to my previous debt validation request. On XX/XX/XXXX, I sent you a formal validation letter requesting proof of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). As of today, I have not received any response, validation, contract, or any supporting documentation regarding this account. 

Furthermore, I have noticed that despite failing to provide me with the requested validation, you have continued to report information regarding this account to the credit bureaus. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as you are required to ensure that all information provided to the credit bureaus is accurate and substantiated. Since I have received no documentation or explanation from your company regarding the nature of this debt, I demand that all reporting of this account to the credit bureaus cease immediately and be deleted completely from my credit report. 

Please consider this letter a formal dispute of the account. I request that you provide written documentation verifying the details of the alleged debt, including but not limited to the original contract bearing my signature, itemized accounting, and any other evidence proving the validity of the debt. 

You have fail to provide this information, I will consider the debt invalid and expect that you cease all reporting of this account to the credit bureaus and stop all collection efforts, and delete the debt from my credit. Responding by telling me to file a complaint on another agencies doesn't mean that they are not responsible for supplying me with the Validation of this debt per my request. 
If this situation is not rectified promptly, I will consider pursuing legal action. This is my 2nd filing Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA. 


Sincerely, XXXX XXXX