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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX XXXX and XXXX XXXXl : # XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report is related according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

According to 15 U.S. Code 1681e ( b ) : Permissible Purpose : under no other circumstantial may consumer information be shared unless the consumer have given written consent. 

I have written letters to XXXX  XXXX, XXXX, XXXX and Experian and have asked for documentation showing where I have given consent for XXXX XXXX to give my private information to the bureaus and I have asked each credit bureau for documentation where I have given them consent to obtain my private information. 

Furthermore, I DID NOT give XXXX  XXXX permission to give me personal information to a 3rd party collection agency. 

XXXX XXXX ( XXXX XXXX and XXXX ) Imposes criminal liability of any officer or employer if they knowing and willfully obtain information on a consumer from a consumer reporting agency under false pretenses. 
If someone in XXXX furnished information in your consumer report from someone who did not have permissible purpose, you can that employee liable under FCRA Section 620 or 15 U.S. Code 1681n.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX Account XXXX : XXXX
Consumer complaint received 2023-11-07
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)

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-07
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)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-07
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. (TX)

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were accounts that were opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication.
Consumer complaint received 2024-07-07
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 looking to dispute a remove all inaccurate information that is hindering my credit report. all of the accounts listed are not following the a FCRA rules. this has caused major delays and denials on my credit report. please review an remove the following to help clear my file asap. delete the accounts reporting are not mines.
Consumer complaint received 2024-07-07
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. (VA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-11-07
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-07
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-07
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. (CO)

So the problem is that experian has notified me personally but not through this platform, they are trying to back door their way around the CFPB.I know why they are doing it because they know as far as my credit report what they're are doing is wrong. And they think and i know that if they contact me directly that they can continue to get away with their misconduct. Could you please inforn experian that i have chosen to use the CFPB platform because of the way they like to conduct business. Which is not fair to the consumer.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION (CA)

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Consumer complaint received 2024-07-06
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)

I am writing to report what appears to be double jeopardy in debt collection practices involving XXXX XXXX XXXX and XXXX XXXX XXXX. I incurred a debt with XXXX XXXX XXXX, which was subsequently sold to XXXX XXXXXXXX XXXX without prior notice or consent. This has resulted in overlapping collection efforts by both entities, potentially violating the Fair Debt Collection Practices Act ( FDCPA ) and raising concerns under the Consumer Financial Protection Act ( CFPA ). I request that the CFPB investigate whether XXXX provided proper notice of the debt sale, assess XXXX 's compliance with the FDCPA and other relevant laws, and determine if any unfair practices occurred during the debt transfer and subsequent collections.
Consumer complaint received 2023-11-07
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-06
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 Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1-Account name : XXXX XXXX XXXX, Account number : XXXX, Date opened XXXX XXXX, XXXX. 
2-Account name XXXX XXXXXXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX. 
3-Account name : XXXX XXXX XXXX XXXXXXXX, Account XXXX, Date opened : XX/XX/XXXX. 
4-Account name : XXXX XXXX XXXX Account number : XXXX, Date opened : XXXX XXXX, XXXX. 

INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX Inquired on XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX. 

The accounts above have violated my rights. 

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

15 U.S.C 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-07-06
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. (NV)

Recently checking my credit report I noticed that Ive been a victim of identity, theft, and found numerous credit increase I have no knowledge of. Here are the inquiries that I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S (CA)

XXXX XXXX. has committed multiple federal violations of my consumer rights. I was never contacted or notified about any alleged debt and I was also improperly served on the date of XX/XX/2023 Title 15 U.S.C. 1692g ( c ). 
XXXX XXXX. moved forward with legal suit against me XX/XX/2023, without disclosing the fact that I am able to dispute any alleged debt ( Title 15 U.S.C. 1692e ( 2 ) ( A ) and ( B ), Title 15 U.S.C. 1692g ( C ) & ( d ), Title 15 U.S.C. 1692e ( 4 ) & ( 14 ). XXXX XXXX. hiring debt collectors for this alleged debt also violates Title 15 U.S.C. 1692j ( a ).
Consumer complaint received 2024-07-06
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. (VA)

there is XXXX authorized inquires on my credit file and needs to be removed immediatly these are the following fraudulent inquires : XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX & # XXXXXXXX XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX accounXXXX XXXX XXXX XXXX needs to be removed
Consumer complaint received 2019-11-20
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: EQUIFAX, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/year>, I have requested online from all three credit reporting agencies ( XXXX, XXXX, and Experian ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the U.S. Post office, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent certified letters to each credit reporting agencies ( XXXX, XXXX, and Experian ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( XXXX, XXXX, and Experian ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my updated credit report, my old addresses are still appearing on my credit reports. 

XXXX, XXXX, 2024, I spoke to a rep from each CRA XXXX, stated they could not update via phone. Despite the fact, I sent them what they requested.
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CO)

XXXX XXXX XXXX in XXXX Colorado failed to bill the correct insurance company, When I checked in for the XXXX, I was clear not to bill XXXX because the VA sent me to get this XXXX, so it is 100 % covered. This error on their behalf caused them to get a payment of {$780.00} verses the full amount. I then contacted them on numerous occasions with the information on who to bill along with the authorization number for the case file. But they failed to do correctly so instead sent me to collections. So this continuous lack of attention with billing correctly has me with a debt collection. I provided the information that XXXX XXXX provided each time I called, I called both the VA and XXXX XXXX  and was under the impression this was paid since I gave them the information they needed. My VA XXXX XXXX point of contact tried to contact them to assist in payment of this bill as well. They can only wait on the line a limited time, so both times they were denied the ability to wait on the line. At some point I am starting to feel some discrimination against me because they aren't billing the VA for the full amount and choosing to want payment from me personally. Sending for debt collection is a clear indicator they aren't interested in billing it correctly for payment.