davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
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)

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX, XXXX, and Experian. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns.

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of XXXX XXXX XXXX : My information was impacted by the XXXX data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A.

Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate. 

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report. 

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-16
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. (MI)

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX, XXXX, and Experian. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns. 

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of XXXX Data Breach : My information was impacted by the XXXX data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A. Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 :
Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate.

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report.

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

have been disputing this debt for months due to several inaccuracies. By law, correct and valid information should only be reported. 

This is in violation of codes : 15 USC 1681e ( b ) 15 USC 1681i ( 5 )
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-06-15
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 was informed by a few companies ( XXXX, XXXX XXXX, XXXX. ) that my account was denied due to information listed on XXXX, XXXX XXXX Experian. XXXX, Experian XXXX XXXX are XXXX XXXX not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, Experian XXXX XXXX is not correct in what they are doing. All XXXX credit report agencies are selling my information, they are not confirming with me what is correct and are only allowing the companies to post negative items on my credit,
Consumer complaint received 2023-03-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

Account control technology ( ACT ) was responsible for collecting my student debt since XXXX. ACT was transferred to Transworld system incXXXX in XXXX of XXXX, yet I never received a notification about the transfer until XX/XX/XXXX. I received a bill in the mail notification that I owed money to trans world systems on XX/XX/XXXX. I contacted them and they told me that they hadn't received a payment since XXXX of XXXX. I told them I was still paying Account control technology ( ACT ) ( I have bank statements to prove this ). When I attempted to login into my ACT account to switch payments to trans world inc, the portal no longer existed, yet my payments were still being sent to " ACT-TRUST '' yet the payment was not being applied to my loan amount. 

I contacted Transworld inc. about this, they told me I needed to contact my bank and report the problem that they could not fix it. This merger of accounts has been very frustrating and not good business practice. I have been charged additional interest on an account that was in good standing and being payed on monthly. This is theft.
Consumer complaint received 2024-06-15
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. (OH)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXI Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-06-15
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)

Demand for immediate action : As a victim of identity theft, I assert my rights under 15 U.S.C. 1681c-2 and 1681b. Its been 30 days ; the law requires action within 4 days.
Consumer complaint received 2024-06-15
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. (FL)

Experian, has an inquiry on my credit report that I do not recognize ( XXXX XX/XX/year> ), I have sent several letters, I have called several times and they do not agree to delete the aforementioned inquiry that is affecting my score.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-15
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. (NJ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( 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 2024-06-15
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. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( 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 2024-06-15
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)

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Reported as Harassment and Theft, Police Report XXXX Bank of America seems to have a habit of not giving me my money back, even after the vendor has issued a refund. I feel harassed. I am showing charges for XXXX for {$47.00} each on XX/XX/2022 and XX/XX/2022. I was contacted immediately by Bank of America to confirm that the charges, which were made on the same night, were valid. In fact, they froze my card until I confirmed the 2nd transaction via text. However, when I was unsatisfied with the product and asked the vendor for a refund, the vendor promptly responded by approving 2 refunds of {$47.00} on XX/XX/2022. However, as of XX/XX/2022, Bank of America still has not refunded that second refund of {$47.00}. In fact, when I called to ask about it and dispute it today, XXXX ( approx 10 days after the vendor issued the refund ), I was told that it could take up to 10 business days for Bank of America to process my refund.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (OR)

I know for fact my XXXX XXXX report is XXXX fine good but this early warning systems is reporting XXXX information that is not even correct to prevent me from establishing checking account at any institution Ive never had bad check history of any time my life but this company has not sent me as requested this consumer report that is personal harming me directly
Consumer complaint received 2024-06-15
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2024-06-15
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. (MO)

I am writing to file a formal complaint against the credit reporting agencies Experian, XXXX, and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes regarding incorrect and inaccurate information on my credit reports. Despite my diligent efforts to resolve these issues, these agencies have persistently ignored my disputes and failed to remove the erroneous accounts in question. 

The accounts in dispute are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I have submitted multiple disputes to each of these credit reporting agencies, providing detailed explanations and supporting documentation demonstrating that these accounts are inaccurately reported and should be removed. However, my disputes have been repeatedly ignored, and the erroneous information remains on my credit reports. 

This non-compliance is a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation into consumer disputes and correct or delete any information found to be inaccurate or unverifiable. The failure of Experian, XXXX, and XXXX to adhere to these legal obligations has caused significant harm to my credit standing and financial well-being. 

I am requesting the CFPB 's immediate intervention to ensure that the credit reporting agencies comply with their statutory duties under the FCRA. Specifically, I urge the CFPB to : Investigate the handling of my disputes by Experian, XXXX, and XXXX. 
Ensure the prompt removal of the disputed accounts ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit reports. 
Impose appropriate sanctions on the credit reporting agencies for their failure to comply with the FCRA. 
Provide a written response outlining the actions taken by the CFPB to address this matter. 
I trust that the CFPB will take this complaint seriously and act swiftly to rectify these violations. I am available to provide any additional information or documentation required to support this complaint. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-06-15
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)

Experian report number : XXXX you have failed to do multiple re-investigations and have been in violation of my consumer rights under the fcra. Ive disputed this account multiple times this is my third request to make sure this account is 100 % accurate. till this day I still find inaccuracies which show you have failed to do a proper investigation. 

here again is the account name : XXXX XXXX here again is the account number : XXXX as you can see you are reporting me late 30 days on XX/XX/year> and I have never been late XXXX shows no late payments on XX/XX/year> so why are you reporting me late please remove this account or update this account as never late always on time 100 % payments made on time
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I know I only get a short summary.. XXXX XXXX XXXX XXXX had 3 loans of mine ; a debt consolidation personal loan, and refinanced auto loan, and a new auto loan. Times got tough, so I talked to them about this while I was still employed there. I was instructed in person, and via email ( written proof ) to not pay my personal loan and focus on the autos. Well, when I stopped paying my personal bill they put a lien on one of the autos I was going to sell and would have paid the loan off and then some. That was never disclosed to me, or even hinted at. The second auto loan was a voluntary repo, which I also have written proof of, before it was charged off. Not to mention, they kept reporting my account late for THREE YEARS before selling it to a debt collection agency and when I confronted them about this, they said " Our collection department has been really busy that's why it took so long '' ; its a tiny credit union, and no one is too busy to not sell it off for three years. They keep on disputing my disputes, and the credit agencies agree with them although all my personal documentation from them states otherwise. This will end in litigation if it does not get resolved, as this has effected my credit immensely. They incorrectly reported statuses, late dates, and waited three years to sell for a reason that's not true. I'd like proof of them being so overloaded it took them three years to sell it.