davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (TN)

Subject : Complaint to CFPB about Experian Inquiry Dispute Process On XX/XX/year>, I discovered a hard inquiry from Resident Verify on my Experian credit report, which I did not expect or authorize. I promptly submitted a formal dispute on XX/XX/year>, referencing credit report number " XXXX ''. 

In response, Experian provided an updated credit report but failed to disclose their rationale for siding with Resident Verify regarding the disputed inquiry.

Unsatisfied with this outcome, I submitted a second dispute on XX/XX/XXXX, XXXX referencing credit report number XXXX This time, I formally requested that Experian provide all supporting details for their decision to validate Resident Verify 's inquiry via physical U.S. mail , with copies sent to both my email and physical address.

I believed this would ensure clear communication and create a paper trail for both parties. However, despite my multiple formal requests, Experian did not comply with my instructions, nor did they provide any data to substantiate their decision to side with the inquiring company. Furthermore, Experian did not offer an explanation for their determination.

I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). I would like the CFPB to examine Experian 's handling of my dispute, their failure to follow my specified communication preferences, and their lack of transparency in providing supporting details for their decision. I believe Experian 's actions violate the FCRA 's requirement for credit reporting agencies to conduct reasonable investigations of disputed information and the CFPA 's prohibition on unfair, deceptive, or abusive acts or practices.

I am seeking a resolution where the CFPB compels Experian to : 1. Provide all supporting documentation and communications related to their decision to validate Resident Verify 's inquiry, as per my original request.

2. Remove the disputed inquiry from my Experian credit report if Experian can not provide sufficient evidence to justify its inclusion.

I hope the CFPB will investigate this matter thoroughly and take appropriate action to address the issues I have raised. Please let me know if you require any additional information from me to assist with your investigation.
Consumer complaint received 2020-08-04
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$180.00} XXXX XXXXXXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}
Consumer complaint received 2024-10-04
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. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with this agency, nor have I signed anything or agreed to enter into a contract with this business at any time. They did not provide any paperwork or provide the original contract as requested. They have been reporting false and inaccurate statements on my credit report.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (KY)

Experian offers different promotional credit cards according to your personal situation. The company advertised XXXX XXXX account balance transfer credit card. I went through the on-line registration process and there was a hard hit put on my credit report. I understood that there would be an inquiry on my credit report. Ultimately, a credit card was issued. I requested a balance transfer and I was told that this particular credit card does not issue balance transfers. I had a chat experience and decided to cancel the credit card. I contacted Experian and complained about the " suggestion '' of using XXXX XXXX credit card for balance transfer. I contacted and requested Experian to remove the hard hit on my credit report, they declined. The request was made for misleading ad information. They say they can not remove the " hit ''.
Consumer complaint received 2024-09-17
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 A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES.

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Dispute Department : LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have tried many times to get this violation of my right to an accurate credit file corrected. As seen in the attachment XXXX XXXX continues to report XXXX charge offs as open on my credit report. These charge offs happened years ago yet show as if they happened last month. XXXX as well as Experian continue to support this violation of my rights. I held these accounts for years in good standing until I was forced to retire. Even then I paid on time for XXXX more years until my saving ran out and I could no longer pay. The irony is my credit has recovered somewhat because I pay on time. I could have used XXXX XXXX again but cant and wont because of the vindictive nature of the company.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX # : XXXX Account # : XXXX 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
Consumer complaint received 2024-09-17
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)

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. 
The Fair Credit Reporting Act ( FCRA ), a federal law, promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 
In my right to exercise these practices correctly and transparently, I request please remove these inquiries from my credit report immediately since the information is inaccurate and not reliable. I didn't give this company authorization to access my credit report. 
This company name on the sequence is pull my credit without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the year XXXX, I disputed several requests that were in my credit report and I did not recognize them. When requesting my annual report this year, I see that nothing has changed, there are even more errors in my personal information than before, which I am already in the process of disputing. 
I decided to call on XX/XX/XXXX and XX/XX/XXXX Every company that has pulled my credit and I can talk to just XXXX because the other XXXX don't have the authorization to give that information in a phone call so I asked how I know that information that I have the right to know. And they even have an idea.
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: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

Experian has Experian XXXXXXXX XXXX XXXX XXXX for payments that are eligible to be documented on the credit report. I was notified that some bills have not been updated and to manually do so. The Experian XXXX XXXX  link does not work and the page is frozen. 
The bills that I have made payments on for over 6 months have not been auto updated by Experian and there is no manual option to do so. 
Experian phone customer service has only XXXX prompts, XXXX for fraud, and XXXX to request a credit report. There is no option to get through to a live representative. 
The rent payments to XXXX have been made consistently for over 2 years. 
XXXX XXXX payments have been made consistently for XXXX XXXX years. 
XXXX XXXX payments have been made consistently for over 6 months.
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: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I want Experian to remove the following addresses off my credit report : 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 XXXX XXXX XXXX
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: Experian Information Solutions Inc. (MD)

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 2024-10-29
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)

Upon checking my credit report this morning, I noticed some unauthorized inquiries that I cant explain. I viewed my report as I usually do, but, unexpectedly, there were inaccuracies present. I tried refreshing the page to see if it might just be a technical error, but the inquiries still showed up. I am demanding an immediate check of the documents I've submitted to prevent any more concerns on my part.
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: 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 Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score 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 2024-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A few months ago, my checking account with XXXX was blocked without any explanation. Recently, a similar situation occurred with my checking account at Bank of America. I reached out to both banks requesting clarification on the reasons for the account closures, but I did not receive a clear response. These account blockages have caused significant inconvenience, and I do not understand why my personal accounts were blocked. I am requesting CFPBs assistance in resolving this situation and obtaining explanations from the banks.
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: Experian Information Solutions Inc. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-19
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. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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: Experian Information Solutions Inc. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.