davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (SC)

I am writing to submit a formal complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted Experian to dispute the inaccuracies, but to date, I have not received a response. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 


XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$420.00} Disputed Information : The reported balance of {$420.00} is incorrect. I remember the amount to be lower. I request the deletion of the Past Due information as this account is closed and charged-off. I also ask Experian to mark this account as disputed to prevent any negative impact on my credit score. 
XXXX Account XXXX : Date Opened : XX/XX/XXXX Balance : {$3700.00} Disputed Information : The reported balance of {$3700.00} is inaccurate. I recall the amount to be lower. I urge Experian to revise the Past Due information as it is incorrect to present a Past Due amount for a closed and charged-off account. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor to address this incorrect data. I request Experian to mark this account as disputed to prevent further negative impact on my credit score. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX. XXXX, XXXX XXXX : {$24000.00} Disputed Information : The reported information about the account balance of {$24000.00} is inaccurate. The original creditor for this account is XXXX XXXX XXXX not the company Experian indicates. The reported balance is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXXXXXX XXXX XXXXXXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$520.00} Disputed Information : The reported balance of {$520.00} for the account is inflated and inaccurate. I am aware that the original creditor is XXXXXXXX XXXX but I have not been contacted by XXXX XXXX XXXX. I do not recognize this amount, and I believe I owe a lower sum. Due to these inaccuracies, I dispute the entire account and insist on the verification of the Date Opened and Date of First Delinquency.
Consumer complaint received 2024-10-28
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 submitting a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) by not addressing or correcting inaccurate information on my credit report despite my previous requests. 
On XX/XX/year>, I sent a formal letter to Experian to request corrections of personal information on my credit report, specifically as follows : Correct Address : The only valid address associated with me is : XXXX XXXX XXXX, XXXX, IL XXXX I request the removal of the following incorrect addresses currently listed on my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Correction : Ensure that my name appears correctly as XXXX XXXX XXXX XXXX and remove any aliases or incorrect name variations.

To date, I have not received confirmation of receipt or any resolution from Experian, which fails to meet their legal obligation to investigate and correct errors within the 30-day period mandated by the FCRA. 
On XX/XX/year>, I am sending a second letter to Experian reiterating my request to ensure accurate and up-to-date information on my credit report. My concerns extend beyond simple data accuracy, as the presence of incorrect information could be misused, potentially enabling fraudulent actions that impact my credit history and financial security. 
I respectfully request the CFPBs assistance in reviewing this complaint to help ensure Experian upholds its responsibilities for the accuracy of consumer credit reports and complies with the legal requirements of the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
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. (GA)

Sat XX/XX/XXXX XXXX XXXX XXXX 39 day late payment to my credit. 
This credit card account was closed XX/XX/XXXX XXXX. Account balance was paid to zero, last payment of XXXX was paid XX/XX/XXXX, this included balance plus interest and whatever fees. Since XXXX they continued charging me interest on an CLOSED account. I kept receiving emails requesting {$3.00} payments, I've paid the XXXX dollars twice XX/XX/XXXX and XX/XX/XXXX despite knowing the account was closed. I wanted to protect the integrity of my credit. I called them several times to fix the issue, however their call center being in XXXX and not having stateside assistance make it hard to communicate. Anyone can see that this wrong and abusive to consumers. I disputed this accounts accuracy with the credit bureaus and Experian validated and updated the account on a Saturday. How can a dispute be investigated on a sat within an hours time. This account needs to be removed from my credit file so they can stop harassing me for interest payments on a closed account. They reported the account to my credit 39 days late after its been closed for 10 months. This a scam and its outrageous that the credit bureaus allow such abuse of power. My XXXX credit score dropped to XXXX for an illegal {$7.00} late payment mark. I have recorded phone calls to verify. This company is terrible and needs to sued and shutdown. How can a closed account with a XXXX balance accrue interest for almost a year and get away with it?
Consumer complaint received 2023-05-25
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. (NY)

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 2023-11-18
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. (TX)

I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Hard Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NH)

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened aXXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX
Consumer complaint received 2023-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I contacted MOHELA. MOHELA told me that my student loan was forgiven as of XX/XX/2022. I made payments all through COVID-19. I based my retirement from government employment ( XXXX XXXX XXXX ) on having my student loan forgiven. Now MOHELA is stating that I owe {$1300.00} after they credited me and sent me a check in the amount of XXXX. I do not believe I owe any money on my loan and it should be forgiven as I was told. I even made payments through XX/XX/2022.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding the inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following items, but I have not received a response. I kindly request your assistance in resolving these issues and ensuring compliance with federal law. 

These accounts do not belong to me. Kindly remove it from my credit report. 

XXXX XXXX ( Opened : XXXX. XXXX, XXXX, XXXX XXXX : {$22000.00} ), ( XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX : {$2400.00} ), ( XXXXXXXX XXXX XXXXXXXX XXXX CA, Opened : XXXX. XXXX, XXXX, Credit Limit : {$1600.00} ), ( XXXX XXXX XXXX, Opened : XXXX XXXX, XXXX, Highest Balance : {$21000.00} ), XXXX XXXX XXXX, Opened : XXXX. XXXX, XXXX, Highest Balance : {$28000.00} ), XXXX XXXX XXXX, Opened : XXXX XXXX, XXXX, Highest Balance : {$230000.00} ).
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (FL)

Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to submit a formal complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the inaccuracies, but to date, I have not received a response. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 

XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$420.00} Disputed Information : Disagree with the reported Balance of {$420.00}, as I recall a lower amount. 
Request deletion of the Past Due amount as this account is closed and charged-off. 
Kindly mark this account as disputed to prevent any negative impact on my credit score. 
XXXX/XXXX  Account Details : Date Opened : XX/XX/XXXX Balance : {$3700.00} Disputed Information : The reported Balance of {$3700.00} does not correspond to the lower amount I remember. 
Request revision of the inaccurate Past Due information as this is a closed and charged-off account. 
Kindly mark this account as disputed to prevent further negative impact on my credit score. 
XXXX XXXX XXXX Account Details : Date Opened : [ Insert Date ] Balance : [ Insert Balance ] Disputed Information : Require verification of the Balance as I do not recall owing such a high amount. 
The reported Past Due amount is incorrect for a closed and charged-off account. 
Request marking this account as disputed to avoid any additional negative impact on my credit score. 
Verify Date Opened, Date of Status, and First Reported for this account. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX. XXXX, XXXX XXXX : {$24000.00} Disputed Information : Incorrect reporting of the original creditor as XXXX XXXX XXXX  instead of the actual creditor. 
Dispute the Balance of {$24000.00} as it is higher than the amount I believe I owe. 
Request verification of Date Opened and Date of First Delinquency. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$520.00} Disputed Information : The reported original creditor is inaccurate ; it should be 06 XXXX. 
Dispute the inflated and inaccurate Balance of {$520.00}. 
Request verification of Date Opened and Date of First Delinquency.