davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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. (MS)

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XXXX XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX  on XXXX XXXX, and a personal charge card opened at XXXX under the account number XXXX. These accounts have resulted in a fraudulent charge off and fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, Im XXXX XXXX writing to request a new fraud alert be placed on my credit report. My previous fraud alert has expired, and I want to reestablish this protection. Can you please confirm my identity and verify I am who I say I am before setting up the new alert? 

My identification details see attached : Drivers License and SSN Id like the fraud alert to remain in place for extended length of time ans would appreciate a confirmation number or unique identifier for the alert once activated.

I am requesting this fraud alert due to concerns over potential identity theft and misuse of my personal information. I would like to ensure that creditors and lenders verify my identify before extending credit in my name. I hereby authorize Experian to contact me at the following phone numbers in connection with this fraud alert : Cell number XXXX Landline number XXXX Please activate this fraud alert immediately and notify me once completed. 

Thank you for your assistance in helping to protect my credit information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-11
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Consumer complaint received 2024-06-11
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)

Thank you for your efforts in removing some of the inaccurate items from my file resulting from a mistaken credit reporting. However, there are still items that need to be addressed. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This complaint addresses several unauthorized hard credit inquiries on my credit report, with TWO ( 2 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. Please see the remaining inquiries and remove them from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable in any case of noncompliance. This is my LAST NOTICE. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Heres a description of the situation that you can use when providing information to the credit bureaus : -- - **Description of Dispute : ** I am writing to dispute an account that is being reported on my credit file. The account in question was reported as a charge-off with a balance of {$130.00}. The account was opened on XX/XX/XXXX, and the date of the first delinquency was XX/XX/XXXX. The account status was reported as Charged Off with the most recent update on XX/XX/XXXX. 

**Actions Taken : ** 1. **Dispute Initiation : ** I have formally disputed the validity of this debt with the creditor, requesting that they provide adequate proof of the debt. I also informed them that a mere statement of the account is not sufficient proof of the debt as per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. **Cease and Desist Request : ** I have requested that the creditor cease all communications with me regarding this debt. This includes any updates or reports related to this debt. Additionally, I have requested that they remove any and all references to this account from my credit reports. 

3. **Potential Legal Action : ** I have communicated to the creditor that failure to resolve this matter to my satisfaction will result in legal action for potential damages and costs, including statutory damages, actual damages, legal fees, court costs, and punitive damages. The total potential liability estimated in the case of litigation is {$12000.00}. 

**Dates : ** - **Account Opened : ** XX/XX/XXXX - **First Delinquency : ** XX/XX/XXXX - **Account Reported : ** XX/XX/XXXX **Amount : ** - **Reported Balance : ** {$130.00} **Actions Taken by Company : ** - The creditor reported the account status as Charged Off and has continued to report the balance on my credit file. Despite my requests, the account remains reported as a charge-off. 

Please take this information into account when reviewing and updating my credit report. Thank you for your attention to this matter. 

-- - This description provides a clear outline of the situation and actions taken without including personal information. If you need to make any changes or add details, let me know!
Consumer complaint received 2022-11-24
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. (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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-11
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 am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-06-11
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)

This account was opened on the following date : XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments from XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. EXPERIAN failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the following information that your company supplied to me. It's also different than what is currently being reported by XXXX and XXXX credit reports. 

These two items ( 1 ) XXXX XXXX XXXX and ( 2 ) XXXX XXXX does now belong to me and is fraud. I have included the FTC report. I have also included a copy of my credit report from Experian, XXXX and XXXX. You will notice that only Experian is reporting these accounts and also reporting I have a bankruptcy on the XXXX XXXX XXXX account. 

I'm requesting to have these accounts removed asap as these accounts do not belong to me and I have never had a bankruptcy. I have included a report from XXXX XXXX that shows I've never had a bankruptcy. 

Enclosed are copies of my credit report and other documents like my id and address. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete this asap. 

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX XXXX 

Account name : XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Sometime between XX/XX/2023 and XX/XX/2023, an unknown person applied for a credit card with CAPITAL ONE BANK USA in my name. I did not authorize this application. 

CAPITAL ONE BANK USA made a hard inquiry from credit reporting agencies which lowered my credit scores and I received an alert through a third party app, XXXX XXXX. 

I called CAPITAL ONE BANK USA to report unauthorized inquiry and/or fraud and to ask them to cancel the card and remove the inquiry. CAPITAL ONE 's customer service would not have a conversation about the issue unless I gave them my CAPITAL ONE account number. I explained repeatedly that I do not have a CAPITAL ONE account number and that the transaction was not authorized. They told me to contact the credit reporting agencies. 

I did contact the credit reporting agencies and they all told me that I need to contact CAPITAL ONE to make sure they remove the inquiry and cancel the credit card. When I told the reporting agencies that CAPITAL ONE would not talk to me unless I had a CAPITAL ONE account number, the reporting agencies told me to file a complaint with FTC. FTC forwarded me to CFPB, so I am filing the complaint here.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-11
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. (NJ)

I have sent countless letters to your bureau regarding my identity theft status, yet my concerns remain unresolved. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Once again, I am disputing the fraudulent information negatively affecting my credit file. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. The consumer reporting bureau XXXX, Experian, XXXX and the Domestic relations secretary of XXXX pa XXXX at XXXX XXXX XXXX are boldly violating my writes to privacy and are reporting inaccurate information on my consumer report. I never gave any of these companies written instructions. In 15 U.S.C 1681 section 602 A. States 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 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/year>
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-11
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 am initiating a report to contest and look into these incorrectly listed accounts on my credit file. Per the Fair Credit Report Act, I am entitled to {$1000.00} for each error. According to FCRA 605B, we must report any erroneous accounts on a consumer 's report.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.