davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (OK)

I am writing to formally request the blocking and deletion of several accounts from my credit report due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are to be blocked and deleted from my records : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$31.00} XXXX. XXXX Bank Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$7200.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$340.00} XXXX. XXXX XXXX  XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$270.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$240.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$350.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$380.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$800.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$360.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Additionally, I would like to address the following inquiries on my credit report : XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XX/XX/year>, I mailed a formal dispute to Experian by CERTIFIED MAIL via USPS with tracking information XXXX. USPS reports that the dispute was received by Experian on XX/XX/year>. 

In this letter, I demanded resolution of THREE ( 3 ) issues : - A credit furnisher XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been incorrectly reporting my SSN. I provided my correct SSN, including a photocopy of my SSN card. I demanded that Experian update my reports to remove the incorrect SSN. 

- On XX/XX/year>, Experian provided INCORRECT information during a credit inquiry by XXXX XXXX. This inaccuracy resulted in an adverse action against me by XXXX XXXX, as they could not verify my SSN. I demanded that Experian remove this hard inquiry from my credit report, as the information provided was inaccurate and resulted in a wrongful adverse action. 

- On XX/XX/year>, Experian provided INCORRECT information during a credit inquiry by XXXX XXXX As in issue two, this resulted in an adverse action by the creditor due to their inability to verify my SSN. I demanded that Experian remove this hard inquiry from my credit report, as the information provided was inaccurate and resulted in a wrongful adverse action. 

Enclosed with the dispute was a copy of my Experian credit report from XX/XX/year>, a copy of my SSN card, my driving permit from the Ohio BMV as proof of identity and address, and a copy of my renter 's insurance and a bank statement as proof of address. 

As of XX/XX/year>, I have not received any correspondence or notice from Experian regarding my dispute. It has been well over the 30 day limit.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC (TX)

Javitch Block LLC is representing XXXX XXXX XXXX and collecting on their behalf. I agreed to pay the debt back and a payment plan was created. I was told by a representative on a recorded call, as stated by the representative, that I would get a notice in the mail agreeing to the payment plan and that I must sign it and mail it back to Javitch Block LLC for the plan to be effective and the attempt to sue will cease. I did receive the notice, however the notice is an agreed judgement against me plus an 8.50 % interest rate per annum for the cost of this action ; which I WILL NOT agree to. That information was not reported via the phone call that I had with any representative. I have a payment plan already set up and agreed to such payment plan over the phone. I did not agree to an agreed judgment via the phone call. They state that conversations were recorded so that should be listened to. Javitch Block LLC which is collecting on behalf of XXXX XXXX XXXX appears to be trying to force me to agree to a judgment against me while I have a payment plan in place. They also did not state that the letter that needed to be signed by me was an agreed judgement. That seems illegal. Payment plans negate the need for a lawsuit and judgment. They did not do their due diligence to explain the details of the notice and are trying to force me to sign or they will terminate my payment plan and make attempts to sue.
Consumer complaint received 2024-10-29
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. (GA)

Experian as now entered the stage as cohorts with XXXX and XXXX, in the form of restricting my access to creating new disputes. WHICH IS NOT ONLY UNETHICAL BUT GOES AGAINST THE FCRA. As well as theyve been neglecting to clean up my report from the fraudulent errors theyve allowed to be on my report and have now been removed ; except for the highly fraudulent XXXX XXXX XXXX XXXX  who has beeen infringing on my rights under the FCRA for the lender XXXX  XXXX  and under the FDCPA for the parent company XXXX XXXX, who lodge a fraudulent deferment code XXXX on alleged closed charge off XXXX account to over inflate the debt starting charge off at XXXX with a max cap of XXXX to be at a present balance of XXXX over XXXX months this has been allowed..
Consumer complaint received 2024-10-29
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)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
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Consumer complaint received 2024-10-29
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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-29
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. (NY)

On XX/XX/2024 and XX/XX/2024, I submitted disputes concerning inaccuracies in the reporting of this account. i will be submitting my past disputes from XXXX and XXXX and my current disputes for this month of XXXX. According to the FCRA, when a consumer disputes information on their credit report, the credit bureau is required to investigate the dispute and notate that a dispute has been filed. However, I have reviewed my credit report and have found no indication that my dispute was acknowledged, corrected or investigated.

This lack of acknowledgment and investigation constitutes a clear violation of my rights under the FCRA. Specifically, Section 1681i of the FCRA mandates that credit reporting agencies must conduct a reasonable investigation when a dispute is made and properly mark the disputed item as such.

The failure to comply with these regulations has not only caused me distress but may also negatively impact my creditworthiness. I am requesting that you take immediate action to investigate the disputed account, correct the inaccuracies, and ensure that my dispute is properly noted in your records.
Consumer complaint received 2024-10-29
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. (IL)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2024-10-29
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. 

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 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 2024-10-29
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. (TN)

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. 
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 
I looked at my Experian credit report on XXXXXXXX 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 who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, 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 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 2024-09-05
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. (NY)

I asked for legitimate documents to prove the appearance of these itXXXX 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 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
Consumer complaint received 2024-10-29
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. (NH)

My request, submitted on XX/XX/XXXX, stipulated that Experian block these fraudulent accounts from my consumer report within four ( 4 ) business days as required by law. Today, XX/XX/XXXX, XXXXirteen ( 13 ) days post-submissionthese fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. 

I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law. 

I am submitting an FTC Identity Theft Affidavit in connection with two unauthorized accounts that have been fraudulently reported on my consumer credit report maintained by Experian. These fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX These accounts have generated fraudulent hard inquiries, collections, charge-offs, and late payments on my consumer FICO credit report. 

I demand that Experian remove all fraudulent accounts, collections, charge-offs, and late payments as detailed in this complaint. Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.
Consumer complaint received 2024-10-29
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

All accounts with XXXX XXXX XXXX on my three credit reports are individually under {$500.00} and they are trying to lump them together to show a higher balance in collections to put it on my credit! They are all medical bills and some belong to my now adult child. According to the Experian promise they stated consumers would have one full year from placement in collections for all individual collection accounts for medical bills under {$500.00} or previously paid bills to be removed or worked with creditors before placement on credit. This showed up immediately on placement with XXXX I want this removed!
Consumer complaint received 2024-10-29
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-29
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. (NY)

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.