davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-30
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. (TN)

According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX Acct # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete these late payments
Consumer complaint received 2024-05-31
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. (VA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-31
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)

I pulled a copy of my credit report and noticed fraudulent accounts and erroneous personal information that needs immediate DELETION/UPDATING. 
I DID NOT authorize nor originate these accounts so they must be immediately DELETED within XXXX business days upon receipt of this letter on clear grounds of IDENTITY THEFT, pursuant to 15 U.S. code 1681c-2- Block of Information. Also, pursuant to 15 U.S. code 1681s-2 and 15 U.S. code 168e ( b ), please update my personal information immediately. DELETE ADDITIONAL INQUIRIES : XXXX XXXX  ( XXXX  ), XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX PLEASE ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX. 

Please see additional Information on attached Identity Theft Report.
Consumer complaint received 2024-05-31
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. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-14
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. (IL)

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX, XXXX XX/XX/2023
Consumer complaint received 2024-05-30
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. (PA)

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 across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-30
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)

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. 

has violated my rights. Or a 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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

I am not liable for these debtsXXXX XXXX XXXX  Account ( XXXX ) # XXXX, XXXX XXXX XXXX Account ( XXXX ) XXXX and Credit Collection Service Account XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX I do not have a contract with these collections. They did not provide me with the original contracts for the following companies XXXX XXXX XXXX XXXX XXXX XXXX Credit Collections Serv , XXXX as I requested. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights.

15 USC 1681-602A states I have right to privacy.

15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-30
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. (NY)

The fraudulent, inaccurate, and misleading information on my consumer report has caused me significant stress and anxiety, despite my numerous attempts to address it. These items were not authorized or consented to by me, as I am a victim of identity theft.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I signed up for a new XXXX business checking account in XX/XX/XXXX under a promotion they were offering for new customers to deposit {$3000.00} and receive a {$500.00} sign up bonus after holding those funds for 60 days. 

I deposited {$3000.00} on XX/XX/XXXX and still have not received the bonus. I have left the initial {$3000.00} bonus in, and the requirement was to hold it for 60 days which I have also done. 

Today I called their support line since the {$500.00} never showed, and they said they would not honor the promotion because it was not " new money '' that was added to the account. When opening the account, they give you many options to fund the account such as transfer from another bank, funding from a credit card, XXXX, etc. 

I chose the option to fund from a credit card and today the rep said that this does not count as " new money. '' This seems very disingenuous that they offer this promotion and then give you the option to fund with a credit card but then tell you that new money added to an account is not new money.
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-31
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)

What happened? 
I am filing this complaint because my credit report contains collections and addresses that do not belong to me. These inaccuracies are negatively affecting my credit score and financial standing. I have not authorized these collections, nor have I ever resided at the listed addresses. Additionally, XXXX of the companies, XXXX XXXX XXXX, continues to report unauthorized collections on my credit report. 

Specific Details : Unauthorized Collections : XXXX XXXX XXXX Reported : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX XXXXXXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> Incorrect Addresses ( Unmailable Addresses ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Actions Taken : I have contacted the credit reporting agencies to dispute these inaccuracies, but the issues have not been resolved. 
I have also reached out to the collection agencies and provided evidence that these accounts and addresses do not belong to me, but the collections and addresses remain on my report. 
Relevant USC Codes : 15 U.S. Code 1681b - Permissible purposes of consumer reports.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance.

15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-09-19
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. (NC)

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 2024-05-30
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TX)

Wakefield and Associates- when I contacted them to dispute they told me that is something they DO NOT DO. Only one collection is on my credit report for {$1300.00} however after calling they told me the actual price is double and that I owe another amount of another {$1300.00}, making the total sum I owe {$2700.00}. Attempting to collect a breakdown of my bills they gave me wrongful information and complicated steps to complete in order to achieve receiving them, the telephone agent XXXX XXXX even messed up multiple times on purpose trying to explain the process. Proof of everything stated can be verified through their voice recording. They're unwilling to come to a dispute or any agreement and simply want to charge for their own benefit.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing a formal complaint against XXXX XXXXXXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXXXXXX have resulted in undue harm to my financial reputation and stability. 
XXXX XXXX XXXX Balance Owed : {$450.00}
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-29
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)

I recently reviewed a copy of my credit report. 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 home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is emphasized that consumer reporting agencies, such as XXXX and Experian, must conduct their responsibilities with fairness, impartiality, and a sincere regard for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by Section 6801 of 15 USC, which asserts that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information.

It is crucial to note, as per Section 604 ( a ) ( 2 ) of 15 USC 1681, that any consumer reporting agency, including those aforementioned, is only permitted to furnish a consumer report in accordance with the explicit written instructions of the concerned consumer. In this instance, I have not provided consent, written or otherwise, for the furnishing of my information to credit agencies, as explicitly stated in Section 6802 ( b ) ( c ).

Moreover, Section 1681s2 ( a ) ( 1 ) ( A ) of 15 U.S. Code emphasizes that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and Experian, by reporting adverse information without my permission, are in violation of the law outlined in Section 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain adverse information in reports without authorization.

Additionally, these agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specified purposes. It is evident that XXXX and Experian are not upholding these reasonable procedures. 

Furthermore, 12 CFR 1016.7 emphasizes the consumer 's right to opt out at any time. In exercising this right, I hereby declare my decision to opt out of the reporting services provided by XXXX, Experian, and any furnisher of information to credit agencies. Any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

In conclusion, I urge strict adherence to the legal provisions outlined above and expect immediate cessation of any unauthorized reporting of my information to credit agencies.