davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including Experian, XXXX, and XXXX. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
As stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
Furthermore, I have received confirmation from the Bankruptcy Court, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the bankruptcy information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX XXXX XXXX immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.
Consumer complaint received 2024-06-29
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)

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 informationisinaccurate.
Consumer complaint received 2024-06-29
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 XXXX 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 informationisinaccurate.
Consumer complaint received 2024-06-29
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)

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX - XXXX 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 a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is the fifth time trying to resolve this matter. Ive contacted them via phone and email and they havent even been able to locate my account yet its showing on my credit report. I have never been a customer of XXXX in any capacity whether through XXXX XXXX or XXXX XXXX. I HAVE NEVER ENLISTED IN THEIR SERVICES FOR ANYTHING.
Consumer complaint received 2024-06-29
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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XXXXXXXX XXXX  and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-30
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. (GA)

I paid for a subscription on Experian.com that should have given me access to all XXXX credit reporting agency ( Experian, XXXX, and XXXX ) credit reports and my reports and scores have not been updated in years. I also could not obtain an updated credit report on XXXX XXXX XXXX. There has been several instances of fraud committed by XXXX, Experian, and XXXX without me being able to access a credit report that is XXXX XXXX accurate across all XXXX credit reporting agencies. There are many inaccuracies that need to be deleted. I should only have XXXX name on my credit report : XXXX XXXX XXXX XXXX. I should only have XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account XXXX XXXX XXXX should have a XXXX XXXX utilization and no late payments in the payment history. Update this account to Paid As Agreed Never Late. The Collection accounts XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are fraudulent and should be deleted. The accounts XXXX XXXX XXXX XXXX XXXX, And XXXX XXXX XXXX should have a XXXX XXXX utilization and no late payments in the payment history. Update these accounts to Paid as Agreed Never Late. The account XXXX has never been late and should be updated to Paid As Agreed Never Late. My credit report should be XXXX XXXX accurate. Please allow access to the paid subscription with all XXXX credit reports with an updated credit report immediately.
Consumer complaint received 2024-06-29
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. (PA)

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries our mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks
Consumer complaint received 2024-06-29
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. (MO)

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 informationisinaccurate.
Consumer complaint received 2024-06-29
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. (AR)

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 informationisinaccurate.
Consumer complaint received 2024-06-29
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. (MO)

I am writing to demand that [ XXXX XXXX XXXX immediately cease the improper reporting of late payments on my credit report. The reported late payments are inaccurate and do not reflect my actual payment history. This erroneous information is causing undue harm to my credit score and financial reputation. Under 15 USC 1666b of the Fair Credit Billing Act, I have the right to challenge these inaccuracies and request prompt correction. I insist that you investigate this matter immediately, remove any incorrect late payment entries, and provide confirmation of the corrections made to my credit report. Failure to address this issue in a XXXX  manner will compel me to pursue further legal action to protect my consumer rights. 


In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ XXXX XXXX ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation XXXX, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to request the removal of inaccurate addresses listed on my credit report. As a XXXX individual, I have noticed that my credit file contains several old addresses that are no longer relevant. 

My current and accurate address is : XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX
Consumer complaint received 2024-06-30
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. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX On XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XXXX, I sent a letter to [ XXXX/Experian/XXXX  XXXX requesting a reinvestigation of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ], I received a response from [ XXXX/Experian/XXXX  ] indicating that their investigation was complete and the accounts in question were deemed accurate. 
However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX - Creditor Name : XXXX  XXXX XXXX XXXX Details Inaccurate : LAST PAYMENT, HIGH BALANCE, DATE OPENED, DATE REPORTED, ACCOUNT RATING According to 15 USC 1681i ( 5 ), Experian is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation. 
2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer & # 39 ; s file. 
A

dditionally, under 15 USC 1681e ( b ), Experian must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual
knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. 
Experian has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-29
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-11
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 looked at my report to check on the update on my request to remove the inaccurate and fraud information from my credit reports. To my surprise, a new fraud account has been added. Please help me remove this fraud account along with the others from my previous complaint. XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX This is not mine. I am writing to report a case of identity theft and fraudulent hard inquiries that are still showing on my credit report with XXXX and XXXX, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX. However, to this date ( XX/XX/XXXX ), the fraudulent accounts, information, and hard inquiries have not been removed from my credit report. I have contacted all bureaus multiple times, but their agents have not been able to provide a satisfactory resolution. Each time I call, I receive different answers, and the problem remains unresolved. I have even sent my IDs to them, but they have not listened to my request to remove the hard inquiries. Please remove the fraud accounts and inquiries from my report. Fraud names to be removed : XXXX XXXX, XXXX XXXX. Fraud accounts to be removed : XXXX XXXX XXXX - XX/XX/XXXX. Fraud inquiries to be removed : XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XXXX - XX/XX/XXXX This is also inaccurate. Please update the status to 'Never late '. I was never late for this. I have tried my best to be a responsible consumer and parent. This is just unacceptable. Please update. I never authorized for this to report. This is personal and should never even be on my reports. OFFICE OF THE ATTY GENER - XXXX - XX/XX/XXXX, ATTORNEY GENERAL-XXXX  - XXXX - XX/XX/XXXX. I have attached to this request the same FTC report that I sent to them, along with my ID and proof of address. I would appreciate it if you could take immediate action to have these fraudulent inquiries removed from my credit report. XXXX : XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Dispute Letter Aggressive XXXX XXXX XXXX XXXX XXXX letter FULL NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX CREDIT BUREAU NAME Experian Credit bureau ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. 
Experian, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXX XXXX Experian and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-30
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)

This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days
Consumer complaint received 2024-06-30
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. (OK)

Experian informed me via email about a major derogatory account that has been put on my credit report on XX/XX/2024 without properly verifying or without my written consent. This is not my debt and I have no knowledge of who the company is who reported the debt to Experian.
Consumer complaint received 2024-06-30
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. (AZ)

Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries. I have no knowledge of the inquiries that I found XXXXXXXX XXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires from my credit report. I also filed man Identity theft report FTC Report Number XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This should be removed as of XX/XX/XXXX and it is still showing as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type FLEXIBLE SPENDING CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$5200.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$5000.00} from XX/XX/XXXX to XX/XX/XXXX month and year this item will be removed XX/XX/XXXX Payment History