davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
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. (MA)

My Experian account login was hacked and stolen. All information has been changed and I can no longer log into my account. They also opened a digital checking account under my name without authorization. When trying to call the company and speak with an agent I am put into an endless loop of automated replies. I need someone at Experian to call me and rectify this immediately.
Consumer complaint received 2024-10-08
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

While checking my most recent credit report. I noticed credit inquiries that I did not authorize, and they are a result of identity theft, made by the following companies : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
, I have included an FTC reort. Please remove IMmediately.
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-24
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-24
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)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-08-13
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I contacted Experian, XXXX and XXXX to dispute several things on my credit report that are fraud. Ive also filed a report about my identity being stolen and they still wouldnt help. They refuse to remove these fraudulent accounts from my credit profile. 
The accounts are listed below XXXX XXXX for {$2600.00} XXXX XXXX For {$850.00} XXXX XXXX  for {$450.00} XXXX XXXX for {$2700.00} XXXX XXXX for {$730.00} None of these accounts are mine and the credit bureaus have been no help in getting them removed. I have repeatedly disputed them and nothing has happened.
Consumer complaint received 2024-06-24
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. (FL)

Re : Dispute of Inaccurate Information on Credit Report XXXX  XXXX XXXX Account Dear Sir/Madam , I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX on my credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n.

Details of the Disputed Account : Account Name : XXXX  XXXX XXXX Discrepancies and Errors : Incorrect Reporting of Account Status : The account shows it was charged off, but there are inconsistencies in the payment history and charge-off dates that suggest inaccurate reporting. This violates the FCRA, specifically 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain the maximum possible accuracy of information.

Balance and Past Due Amounts : The balance and past due amounts are both listed as {$1000.00}. This may include erroneous fees or charges that were not properly documented or validated. This is a violation of the FCRA, under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of information must provide accurate information.

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX  XXXX XXXX. Under 15 USC 1681i ( a ), credit reporting agencies must reinvestigate disputes and delete any inaccurate information if they fail to validate properly. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.

Account Closure Details : The comment states the account was closed at the credit grantors request. If this is incorrect, it needs to be rectified immediately. Providing inaccurate information about account status violates 15 USC 1681s-2 ( a ) ( 1 ) ( B ).

Payment History Inconsistencies : The payment history reflects numerous charge-offs and past-due statuses without clear updates, suggesting potential errors in the reporting timeline. This inconsistency violates the FCRA 's accuracy requirements as outlined in 15 USC 1681e ( b ).

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).
Consumer complaint received 2024-10-08
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)

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

Account Name : XXXX XXXX  Account Number : XXXX 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 2024-10-08
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Experian Information Solutions Inc. (TX)

# XXXX Account # XXXX Methods of Verification On XX/XX/ Experian reported complete a reinvestigation Under 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or " CRAs '' ) to conduct a " reasonable reinvestigation '' to determine whether disputed information in a consumer 's file is inaccurate. Experian failed to provide the following information 1. The date Experian contact date the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item.

4. The method of communication used to verify this information.

5. Did the creditor provide you with my SSN, address, and Date 6. Copy of the original contract with my wet signature.

7. Deficiencies letter with amount Failure to respond satisfactorily within 30 days of receipt of this claims action against your company, seeking {$1000.00} per violation.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am disputing some late payments that have been furnished on my consumer report by Capital One with the account number # XXXX. I have tried to address this issue directly with Capital One and they replied back that the information was accurate. I requested XXXX that they have adopted reasonable procedures to ensure that each periodic statement was mailed or delivered to me XXXX XXXX prior to my payment due date. This law does not state email or electronic mail. Also include proof of all the information required by sec 1637 ( b ) of title 15 USC, and the negative information disclosure. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than XXXX XXXX  after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I am demanding PROOF where Capital One sent me a notice prior to or no later than XXXX XXXX  of furnishing negative items on my consumer reports. This is a clear violation of the FCRA. 

I have requested proof and allowed them XXXX to show me proof, therefore this account is unverifiable and I request the deletion of this account from my consumer report. 

Please see the attached file with the dates of the late payments
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (GA)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XX/XX/year> Affirm INC XXXX XXXX XXXX, FL XXXX XXXX XXXX, Ca XXXX Subject : Dispute of Fraudulent Charge Account Number : XXXX Dear Affirm, Subject : Dispute Under 15 U.S.C. 1692 Account Inquiry for {$680.00} Dear Sir/Madam, I am writing to formally dispute an amount of {$680.00} associated with my account, as outlined under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). I believe this charge is inaccurate and may have originated from an error or fraudulent activity. 
Please provide me with a detailed account of this charge, including any documentation that substantiates its validity. I am entitled to this information under the Fair Debt Collection Practices Act and would appreciate your prompt cooperation. 
Thank you for your attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-06-24
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)

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 2024-06-24
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)

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.

has violated my rights. Or a 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 XXXX 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 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was charged off on the following date : Experian : XX/XX/XXXX XXXX : No XXXX XXXX : XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Consumer complaint received 2024-06-24
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, **Subject : Complaint Regarding Unauthorized Hard Inquiries on My Credit Report** I am writing to file a formal complaint against the inclusion of unauthorized hard inquiries on my credit report, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. 

**Details of the Complaint : ** Upon reviewing my credit report from [ Credit Reporting Agencies : Experian , XXXX , XXXX ], I discovered the following hard inquiries that I do not recognize and did not authorize : XXXX. **Inquiry Date : ** [ XX/XX/2024 ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ XXXX ] XXXX. **Inquiry Date : ** [ XX/XX/2024 ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ XXXX ] XXXX. **Inquiry Date : ** [ XX/XX/2024 ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ XXXX ] XXXX. **Inquiry Date : ** [ XX/XX/2024 ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ Experian ] **Violation of the Law : ** Under the FCRA, 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, such as with the consumer 's written authorization or for certain permissible purposes. These inquiries were made without my consent or knowledge, which is a clear violation of the FCRA. 

The unauthorized access to my credit report has negatively impacted my credit score and caused me significant distress. I have not applied for credit with the above-mentioned companies, nor have I given permission for them to access my credit report.

**Request for Action : ** I request the CFPB to investigate this matter and ensure the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I seek assurance that corrective actions will be taken to prevent such violations from recurring. 

With this Complaint are copies of my credit report highlighting the unauthorize inquiries, along with a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX