davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
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. (MI)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-09-15
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 pursuant to 15 USC 1666b-Timing of payments A creditor may not treat a payment on a credit card account on an open end consumer credit plan late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I the Original creditor have requested proof of these statements that were mailed and neither of the Reporting agencies nor creditors could provide me with this required information to constitute a late payment. 15 USC 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies- under the EXCLUSIONS section exclusions from a consumer credit report clearly states the term Consumer Report does not include reports containing information solely as a transaction ( s ) or experiences between the consumer natural person and person making the report. The following companies are in direct violation with 15 USC 1666b and 15 USC 1681 please remove all late payments showing on the following accounts and mark them as Paid In Full : XXXX XXXX XXXX XXXX ( XXXX ) showing 35 Missed Payments, XXXX XXXX XXXX XXXX XXXX showing 62 Missed Payments, Dept. Of Ed ( XXXX ), ( XXXX, XXXX, XXXX, XXXX ) showing 33 Missed Payments, XXXX XXXX XXXX ( XXXX ) showing 8 Missed Payments, XXXX XXXX XXXX XXXX XXXX XXXX ) showing 1 Missed Payment, XXXX XXXX XXXX XXXX XXXX XXXX showing 21 Missed Payments ) and XXXX XXXX XXXX XXXX XXXX XXXX  showing 3 Missed Payments.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 closed secured loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/2021 under the account number ( private ). This account have resulted in a fraudulent closed account appearing on my consumer XXXX credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Consumer complaint received 2023-06-12
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. (GA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$34000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

I have XXXX late payments on this account. That shouldnt marked as late according to section 1637 ( b ). I did not receive reasonable procedure within the time frame stated below. This is in fact a violation on their end according to 15 U.S. Code 1666b - Timing of payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, is % XXXX % XXXX % XXXX % XXXX
Consumer complaint received 2024-09-15
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. (WI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-15
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-15
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)

CFPB, EXPERIANS IGNORING MY DOCUMENTS THAT SUPPORT MY DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Violating Rights Under Arbitration Law Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the continued reporting of inaccurate address, name information on my personal credit file. Despite my previous attempts to rectify this issue, Experian has failed to correct my records, which I believe is a violation of my rights under the arbitration law. 

Details of the complaint are as follows : inaccurate address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Correct Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX This inaccurate information is affecting my ability to secure loans. I kindly request that the CFPB investigate this matter and assist in ensuring that Experian corrects my personal file in accordance with the law. 

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

Sincerely,
Consumer complaint received 2024-09-01
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: EQUIFAX, INC. (NC)

Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove for they have violated my rights. 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 an 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 XXXX 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-15
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)

CFPB, EXPERIANS IGNORING MY DOCUMENTS THAT SUPPORT MY DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Violating Rights Under Arbitration Law Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the continued reporting of inaccurate address, name information on my personal credit file. Despite my previous attempts to rectify this issue, Experian has failed to correct my records, which I believe is a violation of my rights under the arbitration law. 

Details of the complaint are as follows : inaccurate address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Correct Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX This inaccurate information is affecting my ability to secure loans. I kindly request that the CFPB investigate this matter and assist in ensuring that Experian corrects my personal file in accordance with the law. 

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

Sincerely,
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NM)

APPLIED FOR A CREDIT CARD AT COSTCO NEVER USED THE CARD AND THEY JUST CLOSED THE ACCOUNT FOR NO REASON I CALLED TO FIND OUT WHY DID THEY CLOSE MY CARD THAT I NEVER USED THE YOUNG LADY SAID IT DOESN'T SHOW WHY MY CARD WAS CLOSED.
Consumer complaint received 2024-09-15
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. (MA)

I received a text message at about XXXX Eastern last night that my Experian XXXX XXXX Account was open. I never opened such an account. 

I tried to log onto my Experian Account this morning Sunday morning  to find I could not. When I tried to recover my username, I found it was an e-mail address ( in truncated format ) that is not mine. So, I assume, a bad actor has compromised my identity and formed a fraudulent Experian account in lieu of mine. 

This appears to be a problem long known but apparently still unaddressed by Experian. XXXX XXXX XXXX XXXX, I tried to contact Experian by phone to address this. That proved an impossible feat. I tried at least four different phone numbers, to no avail. In other words, I cant report fraud to a company that claims it is protecting against consumer fraud- and which I only came to know after they lost my data in a breach. That doesnt seem right. The CFRA makes it unlawful for Experian to knowingly permit unauthorized individual to access my legally protected information. Experian 's inability to permit immediate resolution of the fraud on my account makes me believe they are acting in violation of the CFRA. 

So, I have requested they immediately explain what happened on my account and what they will do to remedy the situation including to protect my account security, shut down any fraudulent accounts opened in my name. From what I see online, I am not hopeful they will immediately remedy the situation. 

If fraud can occur XXXX through their website, shouldn't they have a XXXX mechanism to immediately address and remedy such fraud? 

Thank you kindly for your assistance.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of ( private ) and a collections account opened at XXXX XXXX XXXX I on XX/XX/year> under the account number ( private ). These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report 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 ( # private case number ) 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.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Personal request to ensure that NO INACCURATE, INCOMPLETE, or BIAS DEROGATORYinformation is reporting on my Consumer Credit Report and that any such information due to result of identity theft, ESPECIALLY THOSE PREVIOUSLY BLOCKED and DELETED by other CRAs, are immediately deleted from my file. 



XXXX is fraudulently reporting student loan accounts to my credit profile. XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the three major CRAs, Experian, XXXX, and XXXX. There are several XXXX  accounts that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading, or factually invalidated information. I have been made aware of the following accounts that can not be verified and it must be immediately BLOCKED and DELETED from my credit profile. I have completed and filed an FTC IDENTITY REPORT and attached the document to the complaint filed and delivered via CFPB communication portal to the 3 CRAs, EXPERIAN, XXXX, and XXXX. ( See documentation attachments )
Consumer complaint received 2024-09-15
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. (FL)

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 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-07-31
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)

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.