davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am formally lodging a complaint against EXPERIAN for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the relevant statutes and stipulate the necessary corrective actions : 1. Inaccurate Bankruptcy Reporting : EXPERIAN has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions.

2. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, EXPERIAN is in blatant breach of this statutory protection.

3. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement.

4. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, EXPERIAN has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates.

The inaccurate and unfounded reporting of bankruptcy by EXPERIAN is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

SINCERELY, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AL)

Experian won't let me log into my account because it claims that I have a premium account but even on the login screen it doesn't let me change that or cancel that option and whenever I tried to retrieve my report on annual credit report experience said that there was an issue and wouldn't explain further as to why they wouldn't give me my report. It's pretty sad that people 's lives and financial needs literally have to rely on these lying companies
Consumer complaint received 2024-09-28
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-17
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-07-12
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. (CT)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-28
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. (PA)

I made multiple attempts at disputing multiple items on my file with consumer agencies. A few of these items have been deleted from one or two of these agencies while the same account reflects on other reports. The accounts that should have been deleted but were then updated from close to open or have updated without any payment history nor validation of debt itself. I havent finished to these debt any permissions to check review any of my personal information with that being sad these companies have violated my rights and the reporting agencies arent in compliance with the rights afforded to me based on 15 U.S.C 1681. These accounts should be removed effective immediately.
Consumer complaint received 2024-09-28
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)

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX XXXX, account number XXXX, has always been timely and without issues. I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. 

Therefore, I am formally requesting an investigation into this matter and that documented proof, including payment records, be provided to support these reported late payments. If such proof can not be provided, I demand that these erroneous entries be corrected to reflect the accurate payment history. It is crucial that this matter be resolved promptly to ensure the accuracy of my credit profile, as is my right under the FCRA. Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-28
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties
Consumer complaint received 2024-07-12
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. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-28
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)

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX, account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly.
Consumer complaint received 2024-09-28
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize these companies to run a hard inquiry on my credit report and would like it to be removed.
Consumer complaint received 2024-07-12
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 Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXXXXXX Account Name : 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 2024-07-12
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. (WA)

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am a victim of that bondage I am a XXXX XXXX this account # XXXX XXXX XXXX  XXXX does not belong to me due to circumstances of my case of a XXXX XXXX victim under 22 U.S.C 7102 ( 12 ) making me eligible for certain adverse credit information to be blocked or removed from my credit report
Consumer complaint received 2024-09-28
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)

Consumer Name : [ XXXX XXXX XXXX ] Consumer XXXX : [ XXXX ] Consumer SSN : [ XXXX ] Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : [ XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX Reported Balance {$0.00} with a bal. of {$0.00}, XXXX XXXX ( CLOSED ) Account Number XXXX Reported Balance {$0.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 ComplaintFTC Report Number : XXXX
Consumer complaint received 2024-09-28
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. (NV)

I noticed some unauthorized inquiries on my credit report that I would like removed, according to the FCRA consumer law 18USC1028A these unverified and unauthorized items must be removed. 
I filed a complaint with the FTC reference number XXXX Inquiries include 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
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports