davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am disputing the accuracy of the XXXX XXXX account XXXX as reported on my credit file. Upon reviewing this accounts reporting across the three credit bureaus, I found severe compliance violations under Metro 2 standards. Due to these ongoing issues, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : XXXX and XXXX both report this account as Repossession, while Experian states, Merchandise was taken back by credit grantor ; there may be a balance due. Such inconsistent terminology across the bureaus fails to meet Metro 2 standards, which require uniformity in the reporting of account status. This inconsistency warrants deletion if XXXX XXXX XXXX not verify and align the status across all bureaus. 2.Conflicting Worst Delinquency : XXXX lists XXXX as the worst delinquency, XXXX shows no data, and Experian reports Foreclosure. The significant discrepancies between these entries highlight non-compliance with Metro 2 standards, which mandate consistency. This failure compromises the integrity of this accounts reporting, and I demand its deletion if the data can not be rectified. 
3.Discrepancies in Last Updated Dates : The last updated date differs across bureaus : XXXX and XXXX list XX/XX/year>, while Experian lists XX/XX/year>. An inability to provide a consistent last updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year Payment History : The payment history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of compliance with Metro 2 standards, which require a standardized reporting of payment history. This unreliability in reporting only underscores my demand for deletion. 5. Inconsistent Reporting of Derogatory Events : The record of derogatory events, such as 30, 60, and 90-day late payments, is conflicting across the bureaus. XXXX lists multiple delinquent events, while XXXX shows minimal information, and Experians data is incomplete. The lack of uniformity directly violates Metro 2 standards, rendering this account inaccurate and unverifiable.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am filing a formal complaint regarding the inaccurate and inconsistent reporting of my XXXXXXXX XXXX account, on my credit report. I have identified multiple discrepancies across the credit bureaus that violate XXXX XXXX compliance standards, and I am requesting an immediate correction of this accounts payment status to reflect accurate, positive standing. 1.Inconsistent Payment Status : XXXX reports this account as Pays account as agreed, XXXX as XXXX or paying as agreed, and Experian as Current account/was 30 days past due date. This variation in payment status is inaccurate and does not align with the standards for uniform reporting under XXXX XXXX compliance. 2.Discrepancy in Worst Delinquency Status : XXXX and Experian report 30 days past due as the worst delinquency, while XXXX shows None Reported. This inconsistency in the delinquency record suggests errors in data reporting, especially as the account is now in good standing. 3. Erroneous 2-Year Payment History : The 2-year payment history displays conflicting information, with some bureaus marking a 30-day late payment in XX/XX/year>, despite my current positive payment record. Such discrepancies compromise the integrity of the data and violate XXXX XXXX standards for consistency and accuracy.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute the continued presence of the XXXX account, on my Experian credit report. This account has already been successfully removed from both XXXX and XXXX, but it remains inaccurately reported by Experian. This inconsistency is a clear violation of fair and accurate reporting requirements under the Fair Credit Reporting Act ( FCRA ). 1. Inconsistent Reporting Among Credit Bureaus : XXXX and XXXX have already recognized the compliance issues with this account and have removed it from my reports. Experians refusal to take similar corrective action is unjustifiable and undermines the credibility of the information you provide. 2. Erroneous Payment History and Charge-Off Status : Experian continues to list a Charge Off status and derogatory marks spanning years, despite the fact that this information is outdated, inaccurate, and unverified by other bureaus. This persistent negative reporting fails to reflect the current status of my credit history. 3. Lack of Last Updated Consistency : Experians last updated information for this account is outdated and does not align with the removal actions taken by the other credit bureaus. This discrepancy reflects a failure to maintain up-to-date and accurate records, as required by Metro 2 compliance standards XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian Please delete the following accounts : XXXX { XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX ( XXXX XXXX # XXXX XXXX ( XXXX # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX ( XXXX # XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am filing this complaint to demand immediate action regarding the extensive and ongoing inaccuracies on my XXXX XXXX account ( # XXXX ) as reported by XXXX XXXX Experian, and XXXX . Despite my repeated efforts to dispute and resolve these errors directly with each bureau, they continue to report inaccurate and conflicting information in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Account Details and Reporting Inaccuracies : Account Number : XXXX Original Creditor : XXXX XXXX Balance Owed : {$410.00} Creditor Type : Utilities/Wireless Telephone Service Date Opened XXXX XX/XX/XXXXXXXX  Payment Status : Closed / Collection account / Seriously past due date Dispute Status : " Not disputed '' on XXXX and XXXX XXXX despite multiple formal disputes. 
Key Inaccuracies Across Bureaus : Inconsistent Date of Last Activity : XXXX and XXXX list the last activity date as XX/XX/XXXX, while Experian records it as XX/XX/XXXX, resulting in an inconsistency that must be resolved. 
Conflicting Closed Dates : XXXX and XXXX show the closing date as XX/XX/XXXX, while Experian lists it as XX/XX/XXXX. This discrepancy in such a key detail makes the reporting unreliable. 
Contradictory Payment History : Experian shows this account as Charge-Off ( CO ) from XXXX to XX/XX/XXXX, while XXXX reflects on-time ( " OK '' ) payments in the same periods. This misalignment conflicts with the FCRAs requirement for accuracy. 
Incorrect Dispute Status : Despite my documented disputes, XXXX and XXXX still list this account as " not disputed, '' violating my rights under FCRA Section 611 ( 15 U.S.C. 1681i ) for disputed information to be investigated and corrected. 
Incomplete Payment History Reporting by XXXX : XXXX does not provide any payment history for this account, creating an incomplete and misleading profile that fails FCRAs standards for accurate and complete reporting. 
FCRA Violations and Legal Consequences : The FCRA mandates clear, accurate, and verifiable information. These credit bureaus actions are in clear violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to correct or delete inaccurate or unverifiable information after a dispute.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to use reasonable procedures to ensure maximum accuracy. 
FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : Allowing consumers to seek damages for willful or negligent non-compliance. 

Intent to Pursue Legal Action : If these inaccuracies are not removed within 15 days, I will file a lawsuit under the FCRA for damages resulting from willful and negligent non-compliance by the credit bureaus. 

Attached are copies of my recent credit reports from XXXX, Experian, and XXXX, as well as records of my previous disputes. I trust that the CFPB will take swift action to ensure compliance with FCRA standards and protect my rights as a consumer.
Consumer complaint received 2024-10-26
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. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I was previously a victim of ID Theft and upon periodically viewing my credit report I noticed bankruptcies being reported in my public records. I contacted the bankruptcy court and was informed that after their investigation, it found be fraudulent and was removed from their records. I am enclosing a correspondence from them stated that. 


-case # XXXX disposition date : XX/XX/XXXX -case # XXXX disposition date : XX/XX/XXXX
Consumer complaint received 2024-10-26
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 stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress  as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The Credit Bureau never sent me the full procedures that were took to investigate the inaccurate accounts being reported on my credit profile such as the original contract, my wet ink signature agreeing to terms on contracts with credit and ectEquifax violated my right under the FCRA Equifax never sent me the full investigation that they took to validate that accounts I demand that Equifax Removed the 2 inaccurate accounts off of my credit report immediately the two accounts below are being reported inaccurate and doesnt belong to me and is being reported inaccurately on my credit report please remove immediately. Thanks Inaccurate Accounts : XXXX XXXX  XXXX Account number XXXX, has violated my rights. 
15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

This is a complaint against Chase Bank for violating my federally protected consumer rights. 

I contacted the XXXX XXXX XXXX, directly but have not received any response. 

*NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* I recently received a copy of my XXXX, XXXX, and XXXX XXXX XXXX. I noticed that it is reporting my experience with CHASE BANK. The line of credit I have with your CHASE BANK. The line of credit I have with CHASE BANK, which is characterized as utilization on my consumer reports, CHASE BANK IS ILLEGALLY REPORTING THIS EXPERIENCE, ( utilizations ) on my consumer reports. 

Amazon Chase Credit Card Account Number : XXXX XXXX XXXX XXXX CHASE BANK is in clear violation of the law. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer, ( ME ) and the person, ( YOU ) CHASE BANK, Making the report is not included on my Consumer Report! 
Utilization is an experience with the line of credit that was extended between the consumer, ( ME ) and the person, ( YOU ) CHASE BANK, the person making the report is NOT INCLUDED on my Consumer Report! CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the Consumer Reports!

YOU HAVE VIOLATED THE FCRA 15 U.S. Code 1681a2 ( A ) ( i ), by reporting this transaction, or experience ( Utilization ) on my Consumer Reports, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below or delete all utilization from the below account : Amazon Chase Credit Card Account Number : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above utilization will result in legal action being taken against CHASE BANK, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent, Non-Compliance.

3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act, 15 USC 1681 for violations under willful and non-compliance. 616. 15 U.S. Code 1681n.
Consumer complaint received 2024-10-26
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
Product: Credit reporting, credit repair services, 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. 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 XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, has 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 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.

All Rights Reserved
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : 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 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I looked over my credit report and found some addresses and name that appear to be incorrect and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure max possible accuracy of the information concerning the individual about whom the report relates Experian XXXX XXXX XXXX continues to report name, addresses incorrect on my credit report.