davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (TX)

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a confirmed victim of a data breach. The unauthorized accounts and inquiries listed below were not initiated by me and have contributed to fraudulent activity on my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2500.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
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)

This is my NUMEROUS requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-09
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. (TX)

Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Debt amount : XXXX Creditor Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Subject : Dispute of Debt and Cease Communication Request Dear XXXX XXXX XXXX XXXX, I am writing to dispute the validity of the debt referenced in your communication dated XX/XX/XXXX communication from creditor, XXXX XXXX XXXX. This is not an acknowledgment of the debt but a formal dispute of its validity. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c, I request that you cease any and all communication with me regarding this debt, except as authorized by the FDCPA. According to 15 USC 1692c, you are prohibited from contacting me further if I provide written notification that I refuse to pay the debt or that I wish to cease further communication.

For your reference, the relevant section of 15 USC 1692c states : " ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. '' In addition, I am requesting that you validate this debt, including but not limited to : The name and address of the original creditor. 
The amount of the debt. 
A copy of any judgment, if applicable. 
Proof that I owe the debt in question. 
Please send the requested documentation to my address listed above within 30 days from the receipt of this letter. 

Furthermore, any failure to comply with the above request will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further action. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-10-30
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 filed a complaint with XXXX back on XX/XX/year> pertaining to an inaccurate XXXX XXXX account informing XXXX the date opened is inaccurate along with the date last active is also reporting inaccurate. XXXX responded and stated XXXX XXXX verified this information. However, this can not be true, as XXXX is still reporting the same open date, and the same date last active. Furthermore, XXXX deleted this same inaccurate account. XXXX is violating my rights under The Fair Credit Reporting Act 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.
Consumer complaint received 2024-09-27
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VALIDATION OF DEBT FOR ACCOUNT This letter is being sent in response to a listing on my credit report. This is a notice to request validation for accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Debt collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe. Please be advised that I am NOT requesting a verification. I am requesting a VALIDATION that is competent evidence that I have some contractual obligation to pay you. 
Please provide the following information within 30 days from the date you received this request for validation : Name and address of alleged creditor Name on file of alleged debtor Alleged count number Address on file for alleged debtor Amount of alleged debt Date that this alleged debt became payable Date of original charge off or delinquency Copy of the original contract and any amendments as this will show what the terms of the contract are so I can see if you are following the guidelines for the contract in the amount you are trying to collect from me Statements related to this alleged debt providing all charges, payments, credits, etc to compare this with the contract and see if the amount you are claiming is correct Provide proof that this debt was assigned to debt collector or purchased Purchase agreement if the debt was purchased. I need proof that you own this debt Agreement that bears the WET INK signature of the alleged debtor where I agreed to pay creditor If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from the credit file and a copy of such deletion request shall be sent immediately. Please mail requested information to the return address above. 
Thanks, XXXX XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercury Financial Intermediate LLC (IL)

As per our recent correspondence, I wish to bring to your attention the unauthorized opening of XXXX accounts under my name. Enclosed with this message are the necessary police reports and supporting documents that confirm the fraudulent nature of the aforementioned accounts. These accounts, bearing the following details : Account number XXXX with XXXX  XXXX XXXX and Account number XXXX, require immediate deletion.
Consumer complaint received 2024-09-27
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. (FL)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The following inquiries I do not recognized and didn't authorized them. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Experian XXXX XXXX  XX/XX/year> - Experian XXXX XXXX XX/XX/year> - Experian
Consumer complaint received 2024-10-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

I paid the debt in a settlement on XX/XX/year> and I received a delete letter for the amount that I paid in the Settlement. I sent the delete letter to collection agency and they removed the debt from XXXX and XXXX, but I can still see the debt on Experian. I contacted the collection agency and they say that they can not find the debt and that it may be due to how long ago I settled on the debt. I submitted a dispute with Experian but their automated response was that the debt was verified and that they could not remove it fro their report. 

I will be calling Experian directly tomorrow, but I wanted to file a complaint with CFPB to see if I could have some assistance with removing this debt from my Experian Credit report.
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (CA)

I recently noticed that your company pulled up my credit, and there are inquiries listed that I dont recognize. This is really stressing me out because I didnt authorize these, and now its messing with my credit score.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report.

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with resolutions being removed/deleted from my credit report. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27
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. (CA)

In accordance with FCRA this creditor has VIOLATED my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This creditor has violated my right to privacy.

According 15 usc 1681 b 2, all information the credit reporting agency reports must be accurate.

This information is NOT accurate and they are violating my rights for accuracy and privacy.

15 usc 1681 Section 604 ( a ) ( 2 ) states consumer reporting agencies can not furnish an account without my written instructions.

I did not give any written instructions to report this negative information.

This too violates my rights.

Under 15 usc 1666b a creditor can not treat an open account as late for any purpose.

That is 4 FCRA laws that have violated my rights.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Equifax, XXXX, & XXXX credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year>, I sent a letter to XXXX, XXXX and Transunion regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Credit Reporting Company. I have sent many disputes about the accounts listed below over the last 6 months. At this point I am requesting that you delete the accounts as you keep having inaccuracies. You send me letters saying the account is verified and accurate, then I find an issue and later you update the account, then somehow change something else in the report to appease the creditor who is clearly abusive and trying to extort me. The other Credit Reporting Companies have deleted this account. I expect you to comply with FCRA and do the same. There is nothing more for you to ask of them. Do not ask them to verify anything again, they just keep giving changing their story. We have been back and fourth for 6 months and they keep giving you inaccurate information to keep hurting me. Your personnel must just delete the record promptly as in immediately. I have been hurt long enough. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX See XXXX XXXX XXXX. It is invoked and should have been followed as the other Credit Reporting Companies did. Please delete now. 

15 U.S.C. 1681i - U.S. Code - Unannotated Title 15. Commerce and Trade 1681i. Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information. -- ( A ) In general. -- If, 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 that item of information from the file of the consumer, or modify that 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.
Consumer complaint received 2024-09-27
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-30
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. (NJ)

The FOR PROFIT credit reporting agencies are reporting data from a YEARS OLD XXXX XXXX account # XXXX WITHOUT MY CONSENT, along with inaccurate payment data. This account was NEVER in collections. Regardless if it was or was not, I never gave written ( hand or electronic ) consent for this account to be included on MY consumer credit report. They continue to deny my requests for deletion citing meets FCRA requirements. Just based off of 1681 602A they ARE NOT meeting the CONGRESS WRITTEN REQUIREMENT, amongst others : 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681B states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I DEMAND this OLD XXXX XXXX account be DELETED IMMEDIATELY.
Consumer complaint received 2024-10-30
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. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-10-30
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)

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 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.