davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (OH)

XXXX XXXX XXXX  is reporting inaccurate accounts on my consumer reports which has affected the ability to maintain credit. This account does not belong to me. Anyone can open a fradulent account online. Where is the orginal contract with my signature. How did they verify an account is accurate that was opened online.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXXXXXX XXXX XXXX - OPEN ACCOUNTS IN MY NAME WITHOUT MY CONSENT VIOLATION OF RIGHT TO PRIVACY AND ALL 3 CREDIT REPORTING AGENCY ARE FAILING TO DO ITS FIDUCIARY DUTY BY VALIDATING ACCURATE INFORMATION. I EVEN PROCESS NEGOTIABLE INSTRUMENTS VIA PROMISSORY NOTE AND PAYMENT COUPONS, WHICH XXXXXXXX XXXX XXXX XXXX XXXX KEPT AS PAYMENT AND NEVER RETURNED THEM, BUT FAIL TO XXXX  MY PRINCIPAL BALANCE AFTER PAYMENT WAS RECEIVED. XXXX XXXX XXXX XXXX XXXX ARE IN VIOLATION OF SECURITIES FRAUD. I PRESENT YOU MY FREEDOM OF INFORMATION ACT DOCUMENTS SHOWING THAT XXXX XXXXXXXX XXXX XXXX HAVE NO JURISDICTION TO STEAL MY PROPERTY. I ALSO DEMAND FULL REIMBURSEMENT FOR ALL MY SECURITIES AND ALL FUNDS THAT WERE STOLEN WITHOUT MY CONSENT
Consumer complaint received 2024-07-07
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. (NJ)

I looked at my Experian credit report on XX/XX/scrub>XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-27
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)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-08-26
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. (HI)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and the representative told me that they are already deleted from my credit report but I still see them, it's adding unnecessary stress in my life.
Consumer complaint received 2024-08-27
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. (NJ)

I have requested several times but received an annual consumer report from you this year. Therefore, I understand that I can receive my consumer record at no cost. My full name and mailing address are above. I am attaching a copy of my ID.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is unlawfully reporting an account on my credit report. I have been a victim of identity theft in the past due to living in a foster home and I fought really hard to get this situation under control. This account was removed from my report and transunion have placed it back on my credit report while lying saying that is was verified which it has not been. There has not been any signed documents mailed to me or any pictures of my official drivers license IN COLOR sent to me. Transunion is committing fraud and has caused me and my son to be homeless. PLEASE REMOVE THIS INCORRECT INFORMATION IMMEDIATELY.
Consumer complaint received 2024-07-07
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. (IL)

Hey I took a look at my credit report and it shows inaccurate information on my credit report. It say account a last active XX/XX/year>. I would like you to investigate the inaccurate information. It show wrong payment history and Im look for debt validation letter for this account. Please remove or delete this account. 
XXXX  account is wrong and its hurting me from getting a house with my family
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to formally dispute an account that has been incorrectly reported on my credit report. The account in question is associated with XXXX XXXX, but it is not mine, nor have I ever opened or authorized such an account. 

After reviewing my credit reports, I discovered that this account was placed on my reports with all three major credit bureaus. I have successfully disputed this with XXXX, several times, and they have removed the account from my report. However, it remains on my reports with your bureau, [ XXXX/Experian ] . 

Details of the Disputed Account is attached in the document portion of this complaint. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX Date : XX/XX/24 XXXX XXXX XXXX. 
XXXX, VA. XXXX. 
E-mail address : XXXX Experian po box XXXX XXXX, TX XXXX Report # XXXX Subject : Dispute about inaccurate personal information. 

I have previously filed a dispute concerning the accuracy of my personal information ; however, Experian continues to report this information incorrectly. I am hereby formally disputing the accuracy of certain personal information contained in my credit report as maintained by Experian. Upon reviewing my report, I have identified discrepancies that I believe necessitate correction to preserve the integrity of my consumer report. 

These specific inaccuracies are as follows. 

NAME : 1. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, The correct representation of that name is [ XXXX XXXX XXXX ] this is the name on my Social Security card, Passport, and Voter Registration. Please remove all other spellings and variations of that name. 

ADDRESS : 1. XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX, 2. XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX 3. XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

The correct place I am residing at is [ XXXX XXXX XXXX  XXXX VA XXXX ] Please remove this inaccurate, unfair, outdated, and fraudulent personal information from my personal credit report. 

My correct phone number is [ ( XXXX ) XXXX ] Please remove this inaccurate, unfair, outdated, and fraudulent personal information from my personal credit report. I am not associated with any of these phone numbers being reported by your agency. 

Reporting this inaccurate information violates confidentiality of my personal information. I was not contacted by your agency to determine whether this information was accurate or inaccurate. Which violates the reasonable procedure clause in 15 USC 1681 B.

I am requesting that these inaccuracies be investigated and corrected at your earliest convenience. I have attached copies of relevant documents that support my claim. Including.

1. Drivers license 2. Passport 3. Social security Card 4. Voter registration documentation Please confirm receipt of this letter and let me know how you intend to investigate this matter. I appreciate your attention to this important issue and look forward to your prompt response. Thank you for your assistance, Sincerely. XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2700.00}.
Consumer complaint received 2024-07-08
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)

I recently looked at my credit report and noticed some inaccuracies and incorrect information. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to investigate the account listed below because ( XXXX XXXX account number XXXX ) late payment is reported inaccurately, this account says it was thirty days late in XXXX which is incorrect it was paid on time never late as shown in the images. 
This account has been updated by XXXX to current and never late. I demand that Experian also update this account to current and never late as required by law to reflect maximum accuracy.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account NamXXXX XXXX XXXX  Account Number : 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 2024-07-07
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. (NY)

After disputing a bankruptcy on my report with Experian, I sent them court documents proving the inaccuracy. Experian did not provide a reason for the bankruptcy case number XXXX. Experian 's response was that the information on the report is valid. However, they did not explain where they got this information. This is a violation of my consumer protection rights, and they rejected my request to dispute the matter again, which is a serious violation of my consumer law rights. Despite presenting supporting documents from the courthouse, Experian refused to delete the inaccurate information on my personal report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-23
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)

I was shocked to discover that inaccurate accounts suddenly appeared on my credit report this morning, and I have no clue how they got there. I checked my report, as I always do, but this time, out of nowhere, there were discrepancies. I even tried refreshing the page, thinking it might be a glitch, but the errors remained. I really need the documents I submitted to be thoroughly reviewed so I can stop worrying about this ever happening again.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

My husband XXXX XXXX is the primary card holder but I accidently made a payment of {$10.00}, XXXX on XX/XX/year>. On the app on my phone I selected the full credit card payment instead of the minimum balance which I had intended. When I saw the amount pending on my bank account I called my bank - XXXX. They said that since I was so overdrawn, they would not process the amount. Then on XX/XX/year> I see in my account that I was charged the same amount again. I called CITI bank who said that they will keep trying to collect the money up to 4 times. I was told by them that there is no way they can stop the payment. This is outrageous. IN the meantime, I am being charged overdraft fees and I am unable to access the money that I have in my account until the pending charge gets reversed, They are saying that this will happen again on XX/XX/year>. I asked to speak to a manager and I was told that there was nothing anyone could do. I insisted to speak to a manager and was out on hold for 20 minutes and then the phone line was disconnected on their end.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Under 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information on my credit report must be accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my file. 
Specifically, the inaccuracies include : XXXX. Account Number : The account number differs from what is reported on XXXX. 
XXXX. Date Last Active : The date last active is inconsistent. 
XXXX. Date of Last Payment : The date of last payment is incorrect. 
XXXX. Last Reported : The last reported date is inaccurate. 
XXXX. XXXX XXXX : The payment status is incorrectly reported. 
XXXX. High Credit : The high credit amount is inaccurate. 
XXXX. Date Opened : The date opened is inconsistent. 
I request a thorough investigation and correction of all erroneous information. I expect written confirmation of the resolution within XXXX days. 
Please be aware that if my request is not addressed within the stipulated time, I am prepared to seek legal action. Under FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 ( XXXX ), before the end of the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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. (NY)

All Inquiries I dont recognize in my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-07
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. (NJ)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.