davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
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. (IL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Verification of Account Validation RE : Follow up I am writing to request further clarification on the validation process for my account referenced as [ XXXX ]. While I acknowledge that the account has been marked as validated, I am formally requesting specific information regarding how this validation was conducted under FCRA 611 ( a ) ( 7 ).

To assist me in understanding the legitimacy of this account, I request the following details : The specific methods and documentation used to validate this account. 
The date of validation and any associated records. 
The name of the original creditor and any third parties involved in the validation process. 
Copies of any relevant documents or statements that support the validation claim. 

Per FCRA you are required to provide this information within 15 days or delete the negative item from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
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)

It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 

When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions. 


Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Dear EQUIFAX I submitted a complaint on XX/XX/2024 with regards to the late payment I had reporting from my Closed XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX XXXX failed to notify me of a balance or invoice via a billing statement before it was reported as a late payment ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ). XXXX XXXX XXXX XXXX has corrected this the billing error for the primary account holder, XXXX XXXX, on XXXX, EQUIFAX, and XXXX. XXXX XXXX XXXX XXXX has failed to correct the billing error for the Authorized Users on this same account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). IMMEDIATELY remove the reporting late payment for the Authorized Users on this account. 

ORIGINAL XXXX REPORT NUMBER : XXXX Creditor : XXXX XXXX XXXX XXXX Account NUmber : XXXX Past Due Days : 30 Days Late Late Payment Amout {$11.00} Date : XX/XX/2024 Primary Account Holder XXXX XXXX XXXX XXXX Effected NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Dear Equifax, I submitted a complaint on XX/XX/2024 with regards to the late payment I had reporting from my Closed XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX XXXX failed to notify me of a balance or invoice via a billing statement before it was reported as a late payment ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ). XXXX XXXX XXXX XXXX has corrected this the billing error for the primary account holder, XXXX XXXX, on XXXX, EQUIFAX, and XXXX. XXXX XXXX XXXX XXXX has failed to correct the billing error for the Authorized Users on this same account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). IMMEDIATELY remove the reporting late payment for the Authorized Users on this account. 


ORIGINAL CFBP REPORT NUMBER : XXXX Creditor : XXXX XXXX XXXX XXXX Account NUmber : XXXX Past Due Days : 30 Days Late Late Payment Amout {$11.00} Date : XX/XX/2024 Primary Account Holder XXXX XXXX XXXX XXXX Effected NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX
Consumer complaint received 2024-11-02
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; XXXX INquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-03
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. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2024-08-03
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)

XX/XX/year> - sent dispute letters certified XXXX mail to XXXX, XXXX and Experian. These letters pinpointed multiple inaccuracies that each of the credit bureaus were displaying and I asked that these accounts be removed from my credit report. 

XX/XX/year>- Experian responded with an invalid " we have not taken any action on your request '' and accused me of not being me. In the letter I mailed to them, I attached a copy of my XXXX XXXX XXXX and a valid proof of address, which abides by their list on Experian 's website of providing verification. 

XX/XX/year>- XXXX responded with a long list of their " supposed '' investigation results. They did not provide who they verified this information with and the dispute request I sent in was against the accuracy and fairness of what they were publishing. They just responded that everything I disputed, was verified which is not what I asked for. I pinpointed reporting items that are inaccurate and in violation of the Fair Credit Reporting Act. 

XXXXXXXX XXXX XXXX XXXXXXXX - provided XXXX response to my certified letter. 

All XXXX companies violated my right to a XXXX day investigation into the XXXX XXXX accuracy of the reportability of items they publish under my social. None of them provided resolution to the inaccuracies that are still on my credit report.
Consumer complaint received 2024-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (KS)

Receiving text messages from XXXX. Halsted Financial, phone XXXX about a medical debt to XXXX XXXX XXXX of XXXX XXXX XXXX. They appear to be located in XXXX, Ohio. I have never been to Ohio nor have I received medical care from them. I have not even been to a doctor in about 20 years. There is a clickable link in the email : portal.halstedfinancialXXXX which I have not clicked on. I believe this is a result of identity theft or a pure attempt at fraud.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance {$700.00} charged off. A charge off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to Congress 15. US code 1681 2AI no transactions or experiences are allowed to be on a credit consumer report. I have never received a 1099c form from the creditor. Also a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that is in violation 15 U.S code 1692c that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX. These accounts have resulted in fraudulent hard inquiries, fraudulent derogatory marks, and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs, derogatory marks, or hard inquiries as reported. The aforementioned accounts, collections, chargers, 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. Watch the account number that XXXX  funding tries to say they're verifying. They're verifying the wrong account number that does not exist. Carefully view the account number they're verifying. They are also reaging the account which is illegal, Aunt. They are trying to report the account as in collections as a new account which is fraud.
Consumer complaint received 2024-11-02
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 writing to follow up on my previous correspondence and dispute regarding the fraudulent XXXX account ( Account XXXX : XXXX ) that was removed from my credit report on XX/XX/year>. To my dismay, this account has been reinserted as of XX/XX/year>, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), codified as 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Emphasis on Verification of Information and Rights Under FCRA To further emphasize my rights and Experians obligations, I would like to highlight the following FCRA provisions regarding the verification process and consumer rights : 1. Section 611 ( a ) ( 6 ) - Notice of Results of Reinvestigation Under this section, after completing an investigation, Experian is required to provide the results to the consumer within 30 days. Additionally, you must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business contact information of the furnisher of the disputed data. 
2. Section 611 ( a ) ( 7 ) - Provision of Information upon Request Upon my request, Experian must furnish a description of the procedure used to reinvestigate the disputed item, including any contact information of the furnisher of the disputed information and the method used during the investigation. 
XXXX. Section 611 ( b ) - Reinvestigations CRAs are mandated to conduct a reasonable reinvestigation of disputed information. I am formally requesting the details of this reinvestigation process, including the methodology used to verify the reinserted information.

4. Section 609 ( a ) ( 2 ) - Disclosures to Consumers This section obligates CRAs to disclose to consumers all information in their file, including data used to verify or reinvestigate any disputed items. 

My Rights as a Consumer Right to Receive Investigation Methods : I am requesting a detailed description of the methods and procedures used during the investigation of this dispute. 
Right to Contact Information : Please provide the contact details of the furnisher of the reinserted information. 
Right to Timely Responses : The investigation must be completed within a XXXX period, and I must be promptly notified of the results, as per FCRA requirements.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

1. I was trying to unfreeze my account to secure a new credit card.

2. I was able to get this done with the other accreditation agencies with the exception of Experian. I was simply not able to login to my online account.

3. The automated service provided links to fix the problem, but nothing worked. 
XXXX. I tried several time to speak to an agent by calling their phone numbers provided ( XXXX, XXXX, XXXX ) and ended up with the automated system with no option to talk to an agent. I spent over three hours trying to address this issue by calling the different numbers listed above and getting same results.

5. My phone record would show that I called during the week and during normal business hours.

6. Again, none of the information provided by the automated system worked. At the same time, the automated system does not provide an option to speak to an agent, they simply hangup.

7. This process should not be that difficult. The other two agencies provide direct support through an agent if needed.

8. I was informed that the credit card will not be approved until I get this issue resolved.

Experian must provide consumer support in cases where the automated system does not work. Other agencies do it to support their customers. 

Thanks for your support! 
Frustrated Experian Customer
Consumer complaint received 2024-08-03
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. (PA)

In accordance with the Fair Credit Reporting act convergent Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

XX/XX/XXXX the information provided in calculation using XXXX XXXX software is incorrect. The customer 's first name bracket is [ XXXX XXXX ] and the last name bracket is [ XXXX ]. The customer possesses a full charged green battery full name issued by department of state, and the calculated score displayed is from a error XXXX XXXX account name without a name bracket or state that was partially charged by customer from XXXX to XXXX. 
Customer is an XXXX civillian to result in human error by state clear star staff and the customer 's name bracket is provided to supply a correction to credit score.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Ive tried contacting this company several times through mail and CFPB and nothing gets rectified. They keep saying theyve done a full investigation and I keep putting the same numbers back on my credit report.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 information is inaccurate.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Despite my previous three 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 three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-03
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. (TX)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$2200.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status XXXX Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently review a copy of my credit report and noticed fraudulent accounts on my report XXXX XXXX XXXXXXXX is not my account and need to be remove from my report immediately. 

XXXX, XXXX XXXX XXXX is not my account and need to be remove from my report immediately. 
these fraudulent accounts are hurting my credit and my personal finance and need to be remove from my report.