davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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 requesting that the account listed XXXX XXXX XXXX  Account # XXXX be DELETED immediately not updated the Experian has had more than their fair time to rectify this matter properly failing to do so. 

According to the Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, they are required to : - " conduct a reasonable reinvestigation '' of disputed information ( 15 U.S.C. 1681i ( a ) ) - " delete '' inaccurate or incomplete information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) - " correct '' inaccurate information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Included is a copy of Experians reports dated XX/XX/XXXX before my Bankruptcy & after in XX/XX/XXXX. I was never informed of a collection agency until after my bankruptcy was discharged which unlawful nor did Experian list a collection agency until after the account was discharged which is a violation of my rights. I have provided one image showing the charge off, one showing the Bankruptcy petition & one showing the Debt discharged in my Bankruptcy. It is unlawful for Experian to ignore my valid dispute & refuse to delete this account which is suppose to be done after failing to investigate this matter time & time again This matter has been disputed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX now XX/XX/XXXX and my rights have been violated & ignored the issues still have not been resolved. I will not allow dishonest practices of the the Credit Bureau nor the Deceptive practices of the Collection Agency to continue to cause emotional distress, higher interest rates imposed & being declined for credit. I have also contacted the Attorney General as my rights under the FCRA are being Violated
Consumer complaint received 2024-08-29
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. (MN)

I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPB.On XXXX the XXXX of XXXX XXXXXXXX XXXX verified the information on my account as accurate. The account in question shows " CO '' ( Charge Off ) status repeatedly after the Date of First Delinquency ( DOFD ), even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the XXXX XXXX account number XXXX. the account shows repeated " CO '' ( Charge Off ) notations, which is misleading. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated 'CO ' suggests multiple charge-offs, which is inaccurate since a charge-off is a one-time event. This ongoing inaccurate reporting may constitute a violation of my rights under the FCRA.
Consumer complaint received 2024-09-11
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 : GECU Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 Under 15 U.S. Code 1681b 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 2024-09-11
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 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 XXXX 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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 2024-09-11
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-11
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 sent out dispute letters to all the Credit Bureaus including Experian on XX/XX/year> about 15 US code 1681 Permissible Purpose. On XX/XX/year> at I got an email stating about getting my information and explaining all of my rights. Today on XXXXXXXX XXXX I got an email stating that the letters I sent from me, was not authorize from me. This is a tactic that a lot of credit bureaus use, so they don't have to do their due diligence to actually to the investigation. So I called Experian on XX/XX/year> at XXXX XXXX Talked to XXXX ask him about my concerns, I told him that I was the one who sent the letters out, I told him that this happens every time I dispute an item. I asked if Experian would dispute my claims, he said no. I gave them all the required documentation needed. These illegal practices needs to be stop. I need Experian to do the proper information requested within 30 days of the letter that they received.
Consumer complaint received 2024-11-01
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. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a formal complaint regarding the unauthorized hard inquiries listed on my TransUnion credit report. Despite my previous attempts to resolve this matter directly with TransUnion, they have failed to take appropriate action and remove the unauthorized inquiries from my credit report. 

I discovered multiple inquiries on my TransUnion credit report that I did not authorize or have any knowledge of. These unauthorized inquiries have adversely affected my credit profile and have the potential to harm my creditworthiness. 

Inquiry details XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have made repeated efforts to contact TransUnion, providing them with clear documentation and explanations of the unauthorized inquiries. However, despite their promises to investigate the matter, they have not taken the necessary steps to remove the inaccuracies from my credit report.

As a consumer, I believe this situation violates my rights under the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) of the FCRA stipulates that credit reporting agencies must investigate consumer disputes and remove inaccurate or unauthorized information from credit reports. Furthermore, Section 1681s-2 ( b ) of the FCRA requires credit reporting agencies to promptly correct or delete any inaccurate or unverifiable information.

I kindly request your assistance in resolving this matter and ensuring that TransUnion complies with the relevant consumer protection laws.

I look forward to your prompt attention to this matter and request written confirmation once the unauthorized inquiries have been successfully removed from my TransUnion credit report.

Thank you for your time and assistance in resolving this issue.
Consumer complaint received 2024-09-11
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)

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 2023-12-23
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)

XXXX XXXX, XXXX and Experian are reporting an unvalidated debt, furnished by XXXX XXXX XXXX XXXX, purported to be owed to XXXX XXXX XXXX XXXX This account was disputed by me, the referenced consumer, directly with XXXX XXXX XXXX XXXX and this alleged debt was never validated. XXXX XXXX XXXX, along with the aforementioned credit reporting agencies are conspiring together to defame my character, creditworthiness and cause me financial harm and emotional distress. The continuous reporting of this negative and defamatory account is an infringement on my right to privacy as well as damaging to my credit reputation and character. The aforementioned credit reporting companies have a duty to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, per 15 USC 1681. These companies have blatantly disregarded my right to privacy and in the process continue to disregard the Congress 's rules, laws and orders regarding the protection of consumers ' privacy, per 15 USC 6801, 6802, 6821, 16 CFR 313.7. Notice to cease and desist and request for validation of debt pursuant to 15 USC 1692c, 15 USC 1692c ( c ), and 15 USC 1692g were mailed via certified mail to the original creditor and their affiliated parties on XXXX XXXX XXXX and never validated. Proof of mailing will be attached to this complaint.
Consumer complaint received 2023-04-13
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. (GA)

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

Account Name : XXXX 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 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 following items of information or 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 2023-12-23
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. (MN)

XXXX XXXX writing to formally request an investigation into and the removal of an unauthorized hard XXXX  on my credit report. I recently discovered this XXXX  on XX/XX/XXXX when reviewing my credit report, and it has come to my attention that I did not provide consent for such an XXXX  to be conducted. 

Below are the details of the unauthorized hard XXXX  : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type : Hard XXXX  I would like to emphasize that I did not authorize XXXX  entity to make a hard XXXX  on my credit report at the specified date. I am concerned about the potential impact of this unauthorized XXXX  on my XXXX XXXX and overall XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Heres a CFPB complaint description that references relevant federal and California state laws : -- - **Complaint Description : ** I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXXXXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. 

This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts.

This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. 

Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

The company has charged this account off, so I requested a 1099 c for the cancellation of debit. I was told by the company that I didnt qualify for a 1099 c form. A charged off states that the debit has been cancelled, but it still shows a balance on my report. The company refuses to give me a 1099 c form or remove the debit or remove the charge off.
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (SC)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My student loan was part of the federal forgiveness program and the outstanding balance was forgiven, leaving me with a balance of {$0.00}. I received a letter from XXXX stating the new {$0.00} balance, which I submitted to the 3 credit reporting agencies 6 months ago, when I start the dispute process. XXXX updated the account and correctly shows a {$0.00} balance. However, as of today XXXX and Experian haven't updated my account with the correct balance. They are still showing an incorrect balance, which is affecting my credit score and ability to refinance my home.
Consumer complaint received 2024-09-17
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. (TX)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ).

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.