davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (TX)

Experian has reinserted an account that was from identity theft. XXXX has failed to block accounts from identity theft. That is a violation 15 U.S.C. 1681-1681 and 605b The reinsertion of identity theft accounts on your credit report is a serious violation of the Fair Credit Reporting Act ( FCRA ). When an individual is a victim of identity theft and fraudulent accounts appear on their credit report, federal law provides specific protections and procedures under the FCRA to help victims rectify the situation and remove the fraudulent information from their credit report [ 1 ].

If a credit reporting agency reinserts identity theft accounts that have been previously removed as a result of a dispute by the victim, it would generally be considered a violation of the FCRA. Reinserting this inaccurate information without proper verification goes against the FCRA 's provisions designed to ensure the accuracy and integrity of credit reports. Please remove
Consumer complaint received 2024-05-30
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. (GA)

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$XXXX0} XXXX : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$XXXX}
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting an account that keeps appearing on my credit report that account is XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$120.00} dollars, this account has appeared on my credit report, three different times with at least three different open dates, This Collection is reappearing and never go away.
Consumer complaint received 2024-06-24
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. (WA)

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE from my consumer report. 

ACCOUNTS : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter,
Consumer complaint received 2024-05-29
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. (NV)

XXXXl XXXX account XXXX is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). 

I demand account removed to prevent further Identity theft of personal information.
Consumer complaint received 2024-05-29
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. (CA)

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 XXXX XXXX XXXX. 

XXXX XXXX  XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2017-07-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (IA)

PLEASE NOTE : U.S. BANK HAS MY ENTIRE TIME LINE, POLICE REPORT, FILES, DOCUMENTS, EVERYTHING IM STATING BELOW.
XXXX XXXX, 2017 I received dismissal papers from A Judgement issued against me from U.S. Bank on XXXX XXXX, 2013. I believe the OCC case # XXXX was responsible for this, and my last phone call with the OCC was on XXXX XXXX, 2017, and they stated my case # is still open and I sent them all the documents and updates since my Dismissal on XXXX XXXX, 2017, INCLUDING THE RESPONSE LETTER FROM U.S. BANK.
I submitted all the required documents to U.S. Bank to get reimbursed for my expenses on XXXX XXXX, 2017, which was received by U.S. Bank on XXXX XXXX, 2017. U.S. Bank in return sent a response letter dated XXXX XXXX, 2017 but I did not receive it until XXXX XXXX, 2017. 1 DAY LATE AND AS I STATED, THE CLAIM WILL BE CLOSED IN MY FAVOR, AND I WILL BE EXPECTING A CHECK IF I DO NOT RECEIVE A RESPONSE BY XXXX XXXX, 2017 U.S. Bank is now claiming my claim is closed with them and their reasoning is in the letter. I have tried to contact the Fraud Division Directly, but U.S. BANK WILL not letme speak to the Investigator. U.S. Bank simply says, my claim is close, I need to go to law enforcement now and take it up with the cops.
Consumer complaint received 2024-05-30
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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-29
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-29
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-29
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. (NV)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-29
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. (IL)

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiring Company : 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> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I disputed and nothing happed I filed complaint through you guys and nothing has happened My original omplaint This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX and then all of this shows up a year or so later. 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 I contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (NC)

In XX/XX/XXXX I was contacted by phone & email from several credit companies inquiring if I had applied for credit with them and I had not been applying for credit. I knew that somehow someone was using my information to try and get credit in my name. In XX/XX/XXXX I received an email from Avant stating that my statement was available to view. I immediately called Avant to let them know I did not open an account with them and that I had other companies reach out to me letting me know that credit was trying to be opened in my name. Avant sent me a 10 page report to fill out. The report stated I had to file a police report to acknowledge fraudulant activity in my name, so I did that on XXXX and submitted the information to them by fax on XXXX. I continued to receive emails that my statement was available to view so after a couple months I contacted them again and was asked to send the 10 page report again. This time I faxed it, emailed it, and also mailed the report and never received a response from them. I filed a complaint with the credit bureau companies in XXXX and they responded they couldn't help me get it removed.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Back in XXXX of XXXX  I had severe health problems which led to me being forced to be under medically XXXX XXXX. Luckily for me the health issues I was able to overcome, after staying in the hospital for over XXXX weeks I was then transferred to a XXXX XXXX  for another XXXX weeks. Once I was XXXX to go home I started slowly to get back into normal daily cycle that when I realized while I was in the hospital under XXXX XXXX  my mortgage payment didn't go through since my bank account was jeopardized. Again if I dint have the health issues and if I was home I would have known as soon as it happened and I would have fixed it at my earliest since I take m credit very seriously. I know this loan is already transferred and my loan with XXXX XXXX XXXX has been closed.
Consumer complaint received 2024-05-29
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. (CA)

For the tenth time, the reports have gone up by XXXX points and then down by XXXX. The problem was fixed and resolved, but then it occurred again. This has been happening continuously. 

I have sent an identity theft report, an FTC report, and a letter from XXXX requesting the removal of the account and stating that I am not responsible for this account. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Experian Fraud Complaint/Deletion Letter Dear Experian Executives, I am writing to inform you about an issue in my credit report. Unfortunately, I have been a victim of identity theft and fraud. I have been working with you and other organizations to rectify my credit reports and other information. However, I have noticed that the fraudulent account belonging to my XXXX XXXX Credit Card has reappeared on my credit report, even though it was previously removed. 

I want to let you know that this account and balance do not belong to me. I have already taken steps to have it removed from my credit report, and I would appreciate it if you could take care of this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Report Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Sent : Tuesday, XX/XX/year> XXXXXXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXX Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX XXXX Subject :
Consumer complaint received 2024-05-29
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. (FL)

Experian Credit Reporting agency has failed to remove an alleged account from my credit profile. Since XX/XX/year> I have requested how they are validating this debt. The reporting agency has not properly investigated this alleged account. It is hurting my credit that this alleged account is still being reported. This alleged creditor has reported it to other bureaus who investigated this matter and found that I have no relations with XXXX XXXX XXXX. I have provided proof of this deletion from other credit bureaus, and I have also sent over this proof to Experian. I kindly request that Experian remove this alleged account from my credit report. Furnishing this account to my credit profile has violated 15 US Code 1681B, not only was I NOT notified of any account, but it has been furnished without my consent. Experian Credit reporting Agency has failed to ensure the MAXIMUM accuracy and integrity of the information they report. In this case, the inclusion of this fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ). Please move forward with removing this account from my credit report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This my refilling of my complaint to TRANSUNION for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken even if I sent out so many dispute and explanation letters regarding these accounts. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is my sworn personal statement that the below listed addresses, I never lived at these locations. Also, there is personal information that needs to be updated/made complete immediately. Pursuant to 15 USC 16813 ( b ), my personal information must be updated to reflect accurate information. ADD NAME : XXXX XXXX XXXX. DELETE NAME : XXXX XXXX. DELETE FORMER ADDRESSES LISTED INCLUDING : XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX. ADD CORRECT CURRENT ADDRESS : XXXX XXXX XXXXXX/XX/XXXX. ADD CURRENT EMPLOYER XX/XX/XXXX Please see attached Identity Theft Report
Consumer complaint received 2024-05-29
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)

I am writing to address inaccuracies on my credit report. After reviewing my report, I discovered errors that need correction. 
These discrepancies have been addressed with the respective companies, and I am requesting that my credit report be investigated and corrected to reflect accurate information. 

Kindly inform me of the results of your investigation and provide an updated copy of my credit report. 
Disputed Items : XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX.