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

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

This account XXXX  Account number XXXX is only showing on my XXXX report but it should be showing on Experian and XXXX but for some error reasons it's not I have made a complaint and nothing was fixed and now I'm making another one no one have helped
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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

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 2024-06-10
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. (GA)

I recently obtained a copy of my credit report and noticed that it contained numerous inaccuracies, indicating I am a victim of identity theft. These companies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and privacy of consumer information. 

Under the FCRA, specifically XXXX ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate and correct any inaccuracies. Additionally, as per XXXX ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report. 

Furthermore, any communication by debt XXXX regarding these inaccuracies violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( c ) ( 15 U.S.C. 1692c ). According to this provision, if I notify a debt collector in writing that I refuse to pay a debt or wish for them to cease communication, they are required to stop, except under specific circumstances. 

In light of these regulations, I formally request the removal of all inaccurate and fraudulent information from my credit report. Please address this issue promptly to comply with federal laws and ensure my credit report accurately reflects my financial history. 
these companies are in violation of the FCRA XXXX. reporting to my consumer report is a form of communication XXXX. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. please remove this information off my report. 

these are the account stemming from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-10
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. (TX)

XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
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. (NJ)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an issue with Experian concerning incorrect information on my credit report. Despite my numerous attempts to resolve this matter directly with Experian, I have encountered significant difficulties, which have not been adequately addressed. This issue is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliance standards for accurate and consistent reporting of consumer credit information. 

Details of the Issue : Incorrect Names and Addresses : My credit report with Experian contains the following incorrect names and addresses : Address ID : XXXX / Report number : XXXX Address ID : XXXX / Report number : XXXX Names : XXXX XXXX and XXXX XXXX XXXX These inaccuracies are resulting in someone else 's information being mixed with mine on my credit report. My correct name is XXXX XXXX XXXX. 
These inaccuracies violate Metro 2 compliance standards and are impacting my credit score, causing confusion in my financial dealings.

Failure to Address Dispute : I have sent multiple dispute letters to Experian via mail, requesting the removal of this incorrect information. However, it appears my mail has not been read or acted upon. 
I have also made numerous phone calls to the advertised number ( XXXX ) XXXX, which automatically states that I can not speak to a live representative. 
Despite my efforts, the incorrect information remains on my credit report. 
Impact on Me : The presence of inaccurate information on my credit report is a direct result of Experians violation of the FCRA and Metro 2 compliance standards, which mandate that credit reporting agencies maintain accurate and fair credit information. 
This issue is severely affecting my creditworthiness and causing me undue stress and financial harm.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

AMERICAN EXPRESS XXXX COMPLAINT On XX/XX/XXXX, my XXXX XXXX XXXX husband who is an XXXX, who is not proficient in reading or writing in English, attempted to book a hotel stay at the XXXX XXXX at XXXX XXXX XXXX through his phone. He was misled by the advertisement and unknowingly booked his reservation through XXXX The reservation was for 1 room for 2 nights and was represented for a total of {$1800.00} for the 2 nights. After accepting that represented charge he got the RESERVATION CONFIRMATION which was {$1800.00} for EACH night and an additional {$1300.00} in Tax recovery charges and service fees! Grand total {$5100.00}!!! Immediately we received from AMEX a notification via email of this LARGE PURCHASE {$5100.00}. He and I called AMEX to stop the charge from going through. It was very frustrating as the automated system could not understand that he needed a representative. Finally reaching a representative ( recorded for security purposes? ) we told AMEX to stop the charges, that this was not a legitimate charge. The representative told him that we had to wait until the charge posted in our account. ( Why would they not deny the charge straight ahead, protecting us from this nightmare of a charge. They are the first line of defense. Why would AMEX send you a Notification if you can not do anything about it? ). My Husband contacted AMEX on XX/XX/XXXX or XXXX. Told them the same story. That representative told him to wait until the Statement comes out on XX/XX/XXXX to see if the charge had been removed. He called on XX/XX/XXXX and then and only then does the dispute of the charge show that it was initiated. The dispute was closed on XX/XX/2024! Our daughter helped us to get it re-opened as a fraud case, finding out that XXXX in a simple XXXX search shows that many consumers have been scammed by this XXXX AMEX could have stopped these charges from the beginning. AMEX has closed the disputes and fraud investigations and have re-charged us the {$5100.00}. 
We cancelled the Hotel Reservation immediately. We requested our money back from them. They sent us canned emails every 2 days and then would say they could not contact the third-party hotel partner. 
XXXX XXXX has been with American Express for over XXXX years. During this process of getting this ridiculous charge resolved, a representative convinced my Husband to agree on a NEW SECURE card for an additional {$260.00} a year annual fee! 
WHAT SYSTEM DOES AMEX HAVE TO PREVENT THIS FROM HAPPENING AGAIN. WE CALLED IMMEDIATELY. THEY DID NOT STOP OR HELP TO GET OUR MONEY BACK
Consumer complaint received 2024-06-10
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-10
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)

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 169C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-06-10
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. (TX)

On XX/XX/year> a police report was made reporting XXXX XXXX XXXX as a fraudulent account. A report to the federal trade commission was also made against XXXX XXXX XXXX XXXX. On XX/XX/XXXX a cease and desist notice was sent certified mail demanding cavalry portfolio services to stop its attempt to collect any debt for these accounts, stop reporting this fraudulent information to the credit agencies and pay the invoice for violation federally protected consumer rights. 

XXXX XXXX XXXX have failed to provide any written permission containing my signature along with the purchase agreement between the seller and buyer of this alleged debt.

According to title 15 usc 1681c-2 , a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an ALLEGED identity theft, not later than XXXX business days after the date of receipt. 
Experian, XXXX, and XXXX have continued to be negligent in their investigation and have willingly reported false and fraudulent information on my consumer report.
Consumer complaint received 2024-06-10
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. (AZ)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10
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. (TX)

PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-06-10
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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-06-10
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. (TX)

Despite my numerous attempts, I have been unable to resolve the issue of fraudulent credit inquiries appearing on my consumer report. These inquiries have no connection to me whatsoever, and I am in no way responsible for them. Their presence has caused me significant mental and financial distress. As a victim of identity theft, I may have no choice but to pursue legal action if this matter is not properly resolved. These inaccurate and fraudulent items on my credit report have hindered my ability to purchase my dream home and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution.
Consumer complaint received 2024-06-10
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.

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 2024-06-10
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)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-08-04
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. (GA)

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.

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.