davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
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)

Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law.

2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report.

3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Experian is still reporting an old collection from XXXX XXXX for the amount of {$6100.00} that I disputed the validity. But, XXXX and XXXX has deleted the account due to their inability to properly verify it and also the fact that I am not liable for the debt due to the voluntarily returning the vehicle due to it being a lemon and beyond repair by the dealer eventhough it was a brand new car when bought, but it continued to have engine issues, etc. 

If the creditor reports all the same information to all 3 major bureaus and the other bureaus were unable to substantiate the validity of the details on my credit report, then Experian should remove this account from my credit profile. 

Please see attached for a copy of a credit report that I have received from my mortgage lender showing that the XXXX XXXX account is only being reported on Experian. This debt being unfairly reported is hurting my chances of being approved for a mortgage right now and I am expected to close on the house on XX/XX/2023. 

Please help get this XXXX XXXX rightfully removed from my Experian credit profile. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXXXXXX Balance {$4000.00}
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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.
Consumer complaint received 2024-09-01
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. (TN)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-09-24
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. (MD)

i am writing to formally dispute an inaccurate charge-off entry on my credit report under my account number XXXX. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum accuracy of all information reported. The charge-off reported by XXXX XXXX is inaccurate. 

I request that an investigation needs to be completed and remove the charge-off from my credit report, if it can not be verified as accurate. Please provide me with the results within the time frame required by law. 

Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-24
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)

Product/Service : Credit Reporting Issue : Inaccurate information on credit report Company Name : Equifax, XXXX, XXXX, XXXX Furnisher of Information ] Account Type : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to report inaccurate information on my credit report. Equifax, XXXX, and XXXX are reporting a XXXX XXXX account without my consent, violating the Fair Credit Reporting Act ( FCRA ). The furnisher of information has provided inaccurate information and failed to maintain reasonable procedures. 
Specific Violations 15 USC 1681g : Lack of consent for reporting 15 USC 1681s-2 ( A ) ( 1 ) : Inaccurate reporting 15 USC 1681e : Failure to maintain reasonable procedures 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 : Disclosure without opt-out notice Product/Service : Credit Reporting Issue : Inaccurate information on credit report Company Name : Equifax, XXXX, XXXX, XXXX Furnisher of Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Description of Issue I am writing to report inaccurate information on my credit report. Equifax, XXXX, and XXXX are reporting a XXXX XXXX account without my consent, violating the Fair Credit Reporting Act ( FCRA ). The furnisher of information has provided inaccurate information and failed to maintain reasonable procedures. 
Specific Violations 15 USC 1681g : Lack of consent for reporting 15 USC 1681s-2 ( A ) ( 1 ) : Inaccurate reporting 15 USC 1681e : Failure to maintain reasonable procedures 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 : Disclosure without opt-out notice Desired Resolution I request : Immediate removal of the disputed account from my credit report.

Damages for harm caused by inaccurate reporting, totaling {$1000.00}.

Attachments Copy of credit report Account statements Identification documents Supporting correspondence Certification I certify that the information provided is accurate and true to the best of my knowledge.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I am a living human being this is not a duplicate I am a living human being this is not a duplicate my name is XXXX XXXX I'm a living human being with all the rights awarded to me by the fcra and the Federal tax act this complaint is lodged against experian Experian. On one of my accounts on my credit report Experian has fraudulently placed a statement by the consumer on this account I repeat they have illegally placed a consumer statement on my credit report on this account the account being XXXX XXXX I have disputed this account many times they got tired of listening to me and they placed illegally placed illegal in a civil court and in a criminal court to place something on my documentation saying that I said it and I did not say it I never asked them to put a statement down there and it is against the law for them to do so without my permission they have stated that I didn't know about a 15-day rule or something like that and I I never asked them to place a statement on my credit report never I am going to contact law enforcement criminally if it is not removed and the account is not deleted that is an illegal move they made you're never supposed to speak for the consumer I never asked them to do anything of the such
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-06
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)

My Identity and information was stolen back in XXXX  since them many accounts have been open in the my name without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

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 2024-09-24
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. (FL)

Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report thatis the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of BELOW I HAVE BEEN A VICTIM OF SOCIAL BREACH MY SOCIAL WAS USED TO INQUIRIE INQUIRIES AND ACCOUNTS THAT ARE NOT MINE PLEASE HELP. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The credit bureaus are reporting inaccurate information on my credit report. I have sent in many disputes regarding inaccurate information, wrong personal information. i have a collection that has been reported inaccurately on my credit report. There is collection bought by 2 different debt collecting companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Both of these companies are reporting the debt to my credit report and both companies have different amounts. This is inaccurate information reporting to my credit report. Under the FCRS. Credit bureaus must maintain accurate and up to date information. This needs to be removed immediately off of all credit bureaus
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have an incorrect address listed on all of my Credit reports. The address is XXXX XXXX XXXX. XXXX, CA. XXXX. The address belongs to my cousin. Who was the Financial Power of Attorney for my father. I lived with and cared for my father. His address was different from my cousin. I believe that most of his financial matters used my cousins address. Somehow my name was also added to that address. On one report, XXXX there is a comment next to the address that says Generational Identifier. Also on one report XXXX. there is an investigation Summary regarding the same address. States that more investigation required. I have documents that show this information. However my printer scanner broke this morning. Can I send an addendum to this complaint showing the information? I just need to have this address removed from all of my files. I never lived at this address. I'm unsure if this mistake will prove to be a problem for my cousin as well. Thank you for your time. Please advise if there is more information needed. The address appears on all 3 of my Credit reports. It was the basis of an identifying phone call to financial lending company when I applied for a personal loan. I answered truthfully that I have never lived at that address. I never realized that the address appeared on the reports. I don't know if that answer could have been problematic or not. Thank you for your help.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-03
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (KY)

In XX/XX/XXXX I paid off a vehicle ( which shows on my credit report ). In XXXX XXXX XXXX sold you an account that had already been paid. Both Resurgent and LVNV funding are on my credit report at the same time for the same amount. The paperwork that you keep showing from XXXX XXXX from XXXX is the address is wrong, and the paperwork from the XXXX XXXX XXXX XXXX states I had a XXXX in XX/XX/XXXX, and there is no signature from the loan collateral and no seal, with no dates of signatures. 

For XXXX XXXX XXXX XXXX I have medical documentation
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-24
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-24
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. (PA)

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681. Section 602 of the FCRA affirms my right to privacy. Additionally, under 15 U.S.C. 1681e ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Furthermore, according to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.