davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (PA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX. ACCOUNT NAME : 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  BALANCE {$19000.00}, CREDIT LIMIT {$16000.00} That appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent appearing on my consumer XXXX credit report. I've attached a list of copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, the collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, this collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Consumer complaint received 2024-09-12
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

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 and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing to formally lodge a complaint against XXXX XXXX regarding an erroneous account on my credit report. This complaint is based on violations of my rights under the Fair Credit Reporting Act ( FCRA ). The inaccurate reporting of this collection account constitutes a violation of my rights under the FCRA, which mandates that all information reported on credit reports must be accurate and complete. Despite my attempts to have this error corrected, XXXX XXXX has failed to fulfill its obligations under the FCRA.
Consumer complaint received 2024-09-12
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)

In violation of the Fair Credit Reporting Act ( FCRA ) the below listed accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I am filing a formal complaint regarding violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by Experian and the associated furnisher of information. After reviewing my recent Experian credit report, I discovered several inaccuracies related to the accounts listed below. These inaccuracies have had a detrimental effect on my credit score, and the involved parties have failed to comply with federal law, specifically the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Experian is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports.

15 U.S.C. 1681i ( 5 ) : This provision outlines the obligations of consumer reporting agencies to delete or modify any inaccurate or unverifiable information after reinvestigation. 

15 U.S.C. 1681a ( b ) : The reporting and handling of my personal information have violated my federally protected rights to privacy and confidentiality These inaccuracies have caused undue harm to my creditworthiness and financial standing. Despite my efforts to resolve these issues directly with Experian, the inaccurate information remains on my report. I request that the CFPB investigate these violations and ensure that the reporting agencies and furnishers are held accountable for their non-compliance with the FCRA.
Consumer complaint received 2024-09-12
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported in Experian.
Consumer complaint received 2024-09-12
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. (PA)

I was deeply upset to find unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time there were issues that appeared out of nowhere. I refreshed my browser, hoping it was a glitch, but the inquiries remained. Im really frustrated and asking that the documents I've submitted be reviewed carefully, so I no longer have to deal with this.
Consumer complaint received 2024-09-12
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. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, 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)

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 2024-08-22
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)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in-writing instructions of the consumer to whom it relates. 

XXXX XXXX - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in-writing instructions of the consumer to whom it relates.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

I am filing this complaint against XXXX, XXXX XXXX XXXX, and accounts connected to XXXX and XXXX, which I do not recognize. These accounts are potentially fraudulent and were improperly re-added to my credit report without providing me the necessary documentation to investigate or validate the legitimacy of the charges. 

Here are the key issues : XXXX. Re-addition and Re-aging of Fraudulent Accounts : XXXX allowed XXXX XXXX to re-add previously disputed and deleted accounts related to XXXX and XXXX. These accounts were previously removed due to a lack of validation. I have provided evidence of potential fraud, but they were still re-added without a proper investigation or verification of my disputes. Additionally, the accounts have been re-aged, which violates the Fair Credit Reporting Act ( FCRA ). 



XXXX. Negligence in Addressing Identity Theft and Medical Incapacitation : I filed an FTC Identity Theft Report and provided proof of my medical incapacitation ( including a hospice certification ). During this period, numerous individuals had access to my devices and personal information, making it impossible for me to monitor accounts. Despite this, the creditors and XXXX ignored my incapacitation and the identity theft report and closed the case without addressing the fraud or providing any documentation to help me investigate what could have happened. 



XXXX. Failure to Provide Transaction History : I have repeatedly requested full transaction histories for these accounts, including merchant details, dates, and authorization records. This documentation is necessary to determine whether the accounts are legitimate and meet the standards for filing a police report for identity theft. Instead of providing the necessary records, XXXX XXXX continues to send incomplete validation documents that only include the account balance, which proves nothing. Without seeing transaction-level data, there is no way to verify who made these charges. 



4. Exploitation of My Vulnerable Status : I am currently judgment proof following bankruptcy, and my ongoing health issues make it difficult for me to engage in lengthy disputes. XXXX XXXX, XXXX, and XXXX are exploiting my vulnerable status by failing to provide documentation that would allow me to investigate potential fraud. They have been provided with ample proof of my situation but continue to ignore the requests for transaction histories. 



XXXX. Continued Violations of the FCRA : XXXX XXXX is engaging in delete and re-add practices and manipulating balances and account dates without explanation. This violates the FCRA as they are re-aging the debt and adding previously disputed items without any new evidence or validation. The lack of transparency and refusal to provide meaningful verification is unacceptable.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-12
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)

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-12
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)

In XX/XX/year> I disputed the late payment from XXXX XXXX  XXXX. In the amount of {$140.00} due to fact that I was never late on my payment. The company refused to remove this from my credit report.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

- I didnt get a XXXX - 15 usc 1681 ( a ) ( 2 ) I didnt give them written permission to have this charge off furnished on my report.

-A charge off is income. Income is forbidden to be on a consumer credit report according to congressu 15 usc 6802 and 15 usc 6803 When they didnt give me the documentation Opt out of being reported to a third-party affiliated Prior to them reporting it via 15 usc 6802
Consumer complaint received 2024-08-11
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. (WA)

- I didnt get a XXXX - 15 usc 1681 ( a ) ( 2 ) I didnt give them written permission to have this charge off furnished on my report.

-A charge off is income. Income is forbidden to be on a consumer credit report according to congressu 15 usc 6802 and 15 usc 6803 When they didnt give me the documentation Opt out of being reported to a third-party affiliated Prior to them reporting it via 15 usc 6802
Consumer complaint received 2024-09-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (WA)

Originally, the collections agency made no attempts to contact me. I found out about an alleged debt from XXXX through a negative report on my credit report. I disputed the negative report on my credit through XXXX  and it was temporary resolved. Radius Global Solutions still made no attempt to contact me directly. 

Several months later, I got a notice from Radius Global stating I owed a debt to XXXX for {$450.00}, and stating that I had the right to dispute via email. I emailed Radius Global Solutions and let them know that I have never had an account thought XXXX and the debt didnt belong to me. 

They did not answer the email and I saw another negative report from them on my credit report. A day after the negative report, I got a letter saying Weve completed our investigation and the debt is valid. With no further information or validation. This company failed to provide any proof that the debt belonged to me, even after me letting them know it is not mine. 

Radius Global Solutions has negatively impacted my credit score without providing the proper notification or validation of the alleged debt. XXXX has also confirmed via chat that I do not owe them any debt and that I should have no hits to my credit from services I did not have.
Consumer complaint received 2024-09-04
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. (DE)

Prior cfpb complaint number XXXX .. Related to today 's complaint i have been trying to obtain my free annual credit report and have been unable to do so thanks to experience i have called and sent multiple letters and did about two cfp be complaints to try a fix the problem their last investigation which I mentioned above they replied about Inquires etc, which indeed was not what my complaint was for. My complaint was to address the lack of response on experian and trying to fix this issue with obtaining my credit report. Let it be noted on the record that I have made two cfpb complaints before Filling a small claims lawsuit. Experian Willful non Compliance is hurting my financial well being
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (DE)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian, I am submitting this CFPB Complaint for the XXXX time to follow up the addressing of the specific Issue of Obtaining, My weekly Free Annual Credit report. For when I log in to XXXX, I am not able to access my Experian credit report. This issue has been going on for the past XXXX months. I have contacted your company XXXX phone and even tried escuating matters up to your special XXXX department. I have been successful in receiving feedback from this issue on your end. I feel like my consumer rights are being violated on the fact that XXXX cant even obtain my free Credit Report Nor log in to my account. Experience standing to me over the phone that they were rectify the problem and I will be allowed access to my account but this has not happened the whole year.