davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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. (TX)

I am writing to formally file a complaint against Experian for their failure to remove several pieces of incorrect personal information from my credit report. This information, which includes addresses, a phone number, and a name, is inaccurate and has resulted from identity theft. Despite submitting all required documentation, these inaccuracies remain on my credit report. 

The only correct address associated with my credit report should be XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The following addresses need to be blocked from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Additionally, please block the following phone number from my credit report : XXXX I also request the removal of the incorrect name " XXXX XXXX '' from my credit report. 

To support my request, I have provided Experian with the following documentation : Proof of identity, including copies of my driver 's license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX for the past XXXX years. 
A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Despite submitting these documents, Experian has not taken the necessary action to remove the incorrect information. This response is not in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. My complaint number is XXXX. Experian 's failure to remove this incorrect information violates several provisions of the FCRA, including : Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information. 
Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 
I respectfully request that the CFPB investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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. (AZ)

EXPERIAN credit Report from XX/XX/XXXX contains many errors & inaccurate information. The FAIR CREDIT REPORTING ACT states the credit reporting agency must exercise THEIR GRAVE & ASSUMED role responsibly in keeping the non-consented information XXXX to the PERSON the report is being MADE ON. I NEVER found it equitable in EXPERIAN reporting a collection by XXXX XXXX XXXX account XXXX from XX/XX/XXXX to XX/XX/XXXX. EXPERIAN NEVER HAD MY PERMISSION to report XXXX XXXX account XXXX as potentially negative. I DO NOT FIND THIS REPORTING TO BE EQUITABLE in ANY way. EXPERIAN NEVER HAD MY PERMISSION to report XXXX XXXX account XXXX from XX/XX/XXXX to XX/XX/XXXX as potentially negative. I DO NOT FIND THIS REPORTING TO BE EQUITABLE in ANY way. I do NOT find it equitable in EXPERIAN reporting XXXX XXXX account XXXX in a negative manner from XXXX XXXX XXXX. EXPERIAN NEVER HAD MY PERMISSION to report EITHER XXXX XXXX XXXX XXXX accounts XXXX in a negative manner since XXXX XXXX. I DO NOT FIND THIS REPORTING TO BE EQUITABLE in ANY way.
Consumer complaint received 2024-07-11
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. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-02
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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXXXXXX  was reported in my credit reportlatte payment in XXXX, XXXX and XXXX .. this is a mistake because this account was pay off for XXXX XXXX to XXXX XXXX on XXXX
Consumer complaint received 2024-07-02
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. (KY)

Complaint Against Experian and XXXX XXXX  for Reporting Inaccurate Information in Violation of FCRA Dear CFPB Representative, I am writing to formally complain about the inclusion of inaccurate information on my credit report by Experian. This inclusion violates the Fair Credit Reporting Act ( FCRA ) as the account in question does not fall under permissible purposes as defined by the FCRA, and I have never provided written consent for this account to be included on my report. 

Details of the Issue Credit Reporting Agency : Experian Inaccurate Account : XXXX XXXX  FCRA Violations : Accuracy and Privacy ( 15 U.S.C. 1681e ) : Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The emphasis is on accurate and relevant information for assessing creditworthiness, which does not include income data. This account is taxable income. 

Permissible Purpose ( 15 U.S.C. 1681b ) : Under the FCRA, consumer reporting agencies may furnish consumer reports only for certain permissible purposes. The inclusion of this account on my report does not meet any of the criteria outlined in 15 U.S. Code 1681b ( a ). I have not initiated a transaction or application that would require this information to be furnished. 

Lack of Written Consent ( 15 U.S.C. 1681b ( a ) ( 2 ) ) : I have never given written consent for Experian to include this account on my credit report. According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reports may be furnished with the written consent of the consumer. In this case, no such consent was given. 

Accurate credit reporting is crucial to my financial well-being, and I trust that the CFPB will investigate this matter promptly and ensure that Experian corrects this violation. Thank you for your attention to this matter. 

I have attached a copy of my credit report and the item in question starts on page 11. 
I have disputed this item with Experian on XX/XX/year> and on XX/XX/year> and both times they refused to remove the account.
Consumer complaint received 2024-07-02
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. (TX)

I am writing to formally file a complaint against Experian for their failure to block a fraudulent XXXX XXXX XXXX account from my credit report, despite my submission of all required documentation. This account, with the account number XXXX, is a result of identity theft, and Experian has not acted in accordance with the Fair Credit Reporting Act ( FCRA ) to address this issue. 

Details of My Complaint Proof of Identity Theft : I have submitted the following documentation to Experian : Proof of identity, including copies of my driver 's license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX for the past XXXX years. 
A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Denied Requests : Despite providing the above documents, Experian has denied my request to block the fraudulent XXXX XXXX XXXX account. Instead, they have treated my block request as a dispute and returned it as verified without any context or proof that the debt belongs to me. 

Improper Verification Process : Experian has failed to conduct a proper investigation. The fraudulent XXXX XXXX XXXX account was verified by Experian without thorough verification, contrary to the requirements of the FCRA. 

Violations of the Fair Credit Reporting Act ( FCRA ) Experian 's actions violate several provisions of the FCRA, including but not limited to : Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information.

Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 
Request for Immediate Action I respectfully request that Experian : Block the fraudulent XXXX XXXX XXXX account ( account number XXXX ) from my credit report as required by law. 
Provide written confirmation that the fraudulent account has been blocked. 
Cease any further reporting of this fraudulent account to all credit reporting agencies. 
I urge the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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. (PA)

I was unsure as to whether or not this complaint should be " filed '' under the store credit card or under the consumer credit-reporting agencies. 

I am 69 years of age, and keeping an unblemished credit score for the past 55 years is something in which I take great pride.

Prior to this situation, my credit score was XXXX. 

Due to not having received a monthly statement for two consecutive months from my XXXX XXXX XXXX XXXX XXXX XXXX from what I've been able to gather was for a balance of ~ {$57.00} -- my once unblemished credit score took a XXXXpoint nosedive to XXXX. 

A drop in my credit score from XXXX to XXXX -- over a balance of {$57.00} -- seems very heavy-handed to me. 

I've chatted with XXXX ( on XX/XX/year> at XXXX ), XXXX XXXX also on XX/XX/year> at XXXX ), XXXX ( on XX/XX/year> at XXXX ), and one other employee of XXXX. 

Simply stated, I am infinitely more concerned about my credit score than I am with a {$40.00} late fee and minimal interest. 

When I chatted with XXXX, she explained that according to her computer, the two statements that I didn't receive were, in fact, sent to me by XXXX. I know I didn't receive them. Although I wasn't thrilled with sharing the following, I said : " OK. Let 's accept that you sent me these statements. Do you have proof that I received them? '' My personal policy is to pay my c.c. balances only upon receiving statements. Mind you, for many months, my XXXX balance was {$0.00}, as this c c. is one that I use only at XXXXrelated retail stores. 

It was also shared with me that, " When an account is 30 days past-due, the account is reported to the credit-reporting agencies! '' Lastly, XXXX " removed '' a late fee of {$16.00} as well as interest of {$2.00}. 

And yet, my credit score dropped from XXXX to XXXX ( 109 points ) over a balance of less than {$60.00}. 

I appreciate your assistance in advance, XXXX
Consumer complaint received 2024-07-02
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. (TX)

I am writing to formally file a complaint against Experian for their failure to block a fraudulent XXXX XXXX account from my credit report, despite my submission of all required documentation. This account, with the account number XXXX, is a result of identity theft, and Experian has not acted in accordance with the Fair Credit Reporting Act ( FCRA ) to address this issue. 

Details of My Complaint Proof of Identity Theft : I have submitted the following documentation to Experian : Proof of identity, including copies of my driver 's license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX for the past two years.

A Federal Trade Commission ( FTC ) Identity Theft Affidavit.

A police report confirming the identity theft. 
Denied Requests : Despite providing the above documents, Experian has denied my request to block the fraudulent XXXX XXXX account. Instead, they have treated my block request as a dispute and returned it as verified without any context or proof that the debt belongs to me. 

Improper Verification Process : Experian has failed to conduct a proper investigation. The fraudulent XXXX XXXX account was verified by Experian without thorough verification, contrary to the requirements of the FCRA. 

Violations of the Fair Credit Reporting Act ( FCRA ) Experian 's actions violate several provisions of the FCRA, including but not limited to : Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information.

Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information.

Request for Immediate Action I respectfully request that Experian : Block the fraudulent XXXX XXXX account ( account number XXXX ) from my credit report as required by law. 
Provide written confirmation that the fraudulent account has been blocked. 
Cease any further reporting of this fraudulent account to all credit reporting agencies. 
I urge the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX {$1300.00}, 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.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

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 2024-07-02
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. (IN)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-07-02
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: MicroBilt / PRBC (formerly CL Verify) (IL)

Good afternoon, I DO NOT recognize these companies that made on my name hard inquiries on 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 XXXXXX/XX/year> Please help me to solve this issue.
Consumer complaint received 2024-07-02
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. (TX)

I am writing to formally file a complaint against Experian for their failure to block a fraudulent XXXX XXXX account from my credit report, despite my submission of all required documentation. This account, with the account number XXXX, is a result of identity theft, and Experian has not acted in accordance with the Fair Credit Reporting Act ( FCRA ) to address this issue. 

Details of My Complaint Proof of Identity Theft : I have submitted the following documentation to Experian : Proof of identity, including copies of my driver 's license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX for the past XXXX years. 
A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Denied Requests : Despite providing the above documents, Experian has denied my request to block the fraudulent XXXX XXXX account. Instead, they have treated my block request as a dispute and returned it as verified without any context or proof that the debt belongs to me. 

XXXX XXXX Process : Experian has failed to conduct a proper investigation. The fraudulent XXXX XXXX account was verified by Experian without thorough verification, contrary to the requirements of the FCRA. 

Violations of the Fair Credit Reporting Act ( FCRA ) Experian 's actions violate several provisions of the FCRA, including but not limited to : Section XXXX ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within XXXX business days upon receipt of appropriate proof. 
Section XXXX ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information. 
Section XXXX ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 
Request for Immediate Action I respectfully request that Experian : Block the fraudulent XXXX XXXX account ( account number XXXX ) from my credit report as required by law. 
Provide written confirmation that the fraudulent account has been blocked. 
Cease any further reporting of this fraudulent account to all credit reporting agencies. 
I urge the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter.