davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-20
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. (GA)

I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (DE)

I pulled a recent copy of my consumer report and noticed that your agency is furnishing inaccurate information. According to the Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with the Fair Debt Collection Practices Act and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 U.S.C 1692b ( 2 ) - by stating that the consumer owes any debt.

2. 15 U.S.C 1692c ( a ) - communicating with me without my prior consent 3. 15 U.S.C 1692d - engaging in conduct that is harassing to the consumer in connection with the attempts to collect a debt.

4. 15 U.S.C 1692 ( a ) - invading the consumer 's privacy 5. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

6. 15 U.S.C 1692e ( 10 ) - using false and deceptive means to collect an alleged debt.

7. 15 U.S.C 1692e ( 6 ) ( B ) - false representation or implication that a sale, referral or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by the Fair Debt Collection Practices Act. 

The following account needs to be removed from my consumer reports immediately : 1. Credence RM Date Opened : XX/XX/2024 Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NH)

Nelnet corporation ( student loan servicer ) as reported on my consumer report that I was late 13 times under the law this is illegal. 

Under section 1681 fair reporting credit act ; ( 2 ) Exclusions - Except as provided in paragraph ( 3 ), the term " CONSUMER REPORT '' does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to " TRANSACTIONS '' OR " EXPERIENCES '' " BETWEEN '' the 'CONSUMER '' and the " PERSON '' making the report ; ACCT XXXX TOTALS {$13000.00} -- - ( XXXX ) LATE PAYMENTS ACCT XXXX TOTALS {$9100.00} -- -- - ( XXXX ) LATE PAYMENTS ACCT XXXX. TOTALS {$4400.00} -- -- ( XXXX ) LATE PAYMENTS ACCT XXXX. TOTALS {$9400.00} -- -- ( XXXX ) LATE PAYMENTS
Consumer complaint received 2024-06-20
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I got a XXXX credit card in XXXX. IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all 3 credit reports.
Consumer complaint received 2024-06-20
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. (TN)

I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I have been in the process of securing a stable home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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 2024-06-20
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am bringing to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and taken immediate action. It is crucial to address this promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is sincerely appreciated.
Consumer complaint received 2019-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-06-20
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. (DE)

I pulled a recent copy of my consumer reports and realized inaccurate information was furnished. This information is causing a negative impact and should be removed immediately according to the Fair Credit Reporting Act ( " FCRA '' ). The following accounts should be removed and blocked from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to The Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with federal credit reporting and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 USC 1681 ( a ) ( 4 ) - as a consumer, I have the right to privacy, the information furnished by your company infringes upon that right.

2. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

3. 15 U.S.C 1681b ( a ) ( 2 ) - permissible purpose is required for furnishing a report, I did not provide your agency any permissible purpose.

In light of the clear violations of the law, your agency is required to take the following action : 1. Remove the inaccurate information from my consumer report.

2. Provide documents proving an investigation was conducted.

3. Provide a confirmation letter stating the information has been removed.

4. Rectify my credit report to ensure it no longer includes inaccurate information.

Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to inform you about the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, which has caused significant distress and concern. I have already reported this incident as a case of identity theft and taken immediate action. 

It is crucial that we address this matter promptly, as it has adversely affected both my financial well-being and personal reputation. Therefore, I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. 

Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and have taken immediate action to address it. It is crucial to resolve this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter would be sincerely appreciated.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America wrongfully Whitheld credit card and opened account without my consent BANK OF AMERICA Account number XXXX Account type Secured Card Responsibility Individual Date XXXX Status Paid in settlement. {$530.00} written off. 
Status updated XX/XX/XXXX Credit limit {$500.00} Highest balance {$630.00} On record XXXX XX/XX/XXXX nd appears in my credit report like miss payment I had to full this amount This practice Has damage my credit report and Bank Of America since XXXX Close my Checking Account and Credit Card I paid in full and Dispute in all credits bureau
Consumer complaint received 2024-06-20
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. (FL)

I've noticed unfamiliar items on my credit report that I did not authorize. It appears someone may have stolen my identity because I did not approve these accounts. I have raised this issue previously, and I now urgently request the removal of these accounts from my report. The presence of these accounts is causing me significant stress. They do not accurately reflect my credit history or financial management, and dealing with this situation has been challenging. If we can not resolve this matter, I am prepared to take legal action to protect my rights and seek a solution. These inaccuracies on my credit report are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a prompt resolution to this issue.
Consumer complaint received 2024-06-20
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance :
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute Regarding Falsely Advertised Credit Monitoring Program Dear XXXX I am writing to dispute the credit monitoring program that I received from Experian Identity Works as a result of a breach of security. Despite being promised this complementary service, I have not received any instance of credit monitoring from the company. 

On XX/XX/XXXX, I was notified that my personal information had been compromised in a data breach. As a gesture of goodwill, the company offered me a credit monitoring program to help protect my identity and financial information. However, since enrolling in the program, I have not received any updates, alerts, or monitoring services as promised. 

I have made multiple attempts to contact Experian Identity Workd regarding this issue, but have not received a satisfactory response. I believe that the company has falsely advertised their credit monitoring program and has failed to provide the services that were promised to me. 

I am seeking assistance from the Consumer Financial Protection Bureau to help resolve this dispute and ensure that Experian fulfills their obligations to provide the credit monitoring services that were promised to me. I request that the CFPB investigate this matter and take appropriate action to hold Experian Identity Works accountable for their false advertising practices. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-20
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)

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2024-06-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX