davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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 recently reviewed my credit report and found several items that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report and to promptly delete or correct any inaccurate, incomplete, or unverifiable information. 
The items I am disputing are as follows : XXXX Account Name : XXXX  : XXXX XXXX Reference Number : XXXX Filed On : XX/XX/17 Court : US DIST XXXX EXPERIAN Account Name XXXX XXXX XXXXXXXX XXXX XXXX Reference Number : XXXX Filed On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Filed On : XX/XX/17 Court : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX laws cited above, I request that these items be **immediately removed** and **permanently blocked** from my credit profile. Please conduct a thorough reinvestigation of these items and update my credit report accordingly. I also request that you promptly notify the furnishers of the information that these items have been modified, deleted, and blocked from my file. 

Please send me written confirmation that these items have been removed, blocked, and corrected, along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-04
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-25
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. (NY)

REACHED OUT TO CREDIT BUREAUS MULTIPLE TIMES AND NOBODY IS HEARING ME USED SUPPORTING DOCUMENTS FROM THE COURTS AND POLICE REPORTS. NEED THIS ACCOUNT REMOVED FROM REPORT AND ALSO THE ALLEGE COMPANY HAS LET ME KNOW THAT THE BUREAUS XXXX AND XXXX IS NOT REPORTING THIS TRADELINE NOMORE SO IT SHOULD NOT BE REPORTING TO MY EXPERIAN XXXX THAT IS INACCURATE INFORMATION.. 

ACCOUNT IS XXXX XXXX CHARGED OFF {$96.00} & THE ALLEGE DEBT WAS PAID IN FULL SO SHOULD NOT BE REPORTING TO MY REPORT ANYMORE ALSO THIS XXXX XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX I NEVER LIVED THERE A DAY IN MY LIFE THAT ADDRESS IS NOT EVEN ON MY CREDIT REPORT OR ANYTHING.
Consumer complaint received 2024-08-25
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. (GA)

After looking over my consumer report I seen a few inquiries that should t be on my consumer report under the laws XXXX set in place for me as a XXXX  of the United States of America first law 15 1681 2a they arent supposed to report transactions on my consumer report. 15 usc 1602 ( g ) I am the creditor i am the lender and not the borrower we the consumer are the creditors. 15 1602 ( p ) a consumer credit transaction took place you receive no benefit but someone got paid. 15 usc 6802 supposed to let me know or disclose that they wan na put something on my consumer report and supposed to give me a option to opt out and they didnt. XXXX XXXX XXXX asking for social security number on any credit transactions consumer transaction or loan is against the law because there is no lawful money this is a crime I have the right to privacy In Accordance with 15 1681 12 usc 1431 I can not be the debtor and Ive never been the borrower the banks are the borrowers these XXXX companies violated 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit report records and promotes the privacy, fairness, and accuracy of personal information gathered by XXXX XXXX XXXX ( XXXX  ). XXXX  are entities that collect and sell financial and credit information about individuals. XXXX XXXX XXXX XXXXXXXX XXXX,2023 and XXXX XXXX bank XXXX I havent received anything from these XXXX  I asked that they send me my wet ink signature on me signing anything with there persons. Banks have been committing fraud since XXXX  knowingly and willingly deceive you for their financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/product. So its actually an exchange and not a loan in an exchange you are trading things of equal value including my social security number.
Consumer complaint received 2024-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX $ XXXX. Experian experienced a significant data breach in 2020. It was reported that hackers had stolen the personal information of about XXXX XXXX including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. I want these items deleted from my credit file. XXXX XXXX XXXX XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request that experian provide complimentary credit monitoring services and identity theft protection for a minimum of XXXX years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps experian is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that experian provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. Please acknowledge receipt of this letter and provide a response outlining the steps Experian will take to address my concerns. I trust that Experian values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. Thank you for your immediate attention to this serious issue. I look forward to your prompt response.
Consumer complaint received 2024-08-25
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. (TX)

I looked at my report on the XXXX of XX/XX/year> and noticed that some things were incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account [ XXXX XXXX, XXXX - XXXX ], [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX - XXXX ], [ XXXX XXXX XXXX XXXX XXXX ] is not complete and is not accurate. 

I sent a letter on the XXXX XX/XX/year>. Here is my tracking number : XXXX Asking them to reinvestigate the accuracy and completeness of these accounts listed below : [ XXXX XXXX, XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXXXXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I got the investigation back but noticed that nothing was modified or updated. 

So I requested a description of the reinvestigation and they did not provide it to me, which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you look into this matter.
Consumer complaint received 2024-09-04
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)

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 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-25
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 2024-08-25
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 am a victim of identity theft, which has led to several unauthorized items being added to my credit report. These include XXXX accounts and XXXX inquiries that I did not authorize or initiate. These entries were made without my knowledge or consent. 

FRAUDULENT ACCOUNTS : - 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  XX/XX/2023 I have already reported this identity theft to the Federal Trade Commission ( FTC XXXX XXXX I am requesting the immediate removal of these fraudulent accounts and inquiries from my credit report to restore its accuracy.
Consumer complaint received 2024-09-04
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. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-25
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 was looking over my consumer report and once again its some other person violating the laws the Social Security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8. Means that anyone attempting to collect a debt from me is guilty of the false claims act [ FCA ] 31 USC 3729. 12 USC 1431 banks cant loan money because theyre the borrowers.

42USC 408 asking for my social security number on any credit transactions or loans is against the law because there is no lawful money this is a crime. 15 USC 1602 I am the original creditor. 18 U.S.C. 894 is a federal statute that prohibits the use of extortionate means to collect credit extensions. It states that anyone who knowingly uses or conspires to use extortionate means to collect or attempt to collect an extension of credit, or to punish nonrepayment, can be fined or imprisoned for up to 20 years. 15 USC 1602 states I am the original creditor 15 USC finance charge shall be the sum of all charges, if it isnt its a violation. 31 U.S. Code 3123, also known as " Payment of obligations and interest on the public debt '', is a section of the United States Code that covers how the government pays interest and obligations on its public debt. It is part of Title 31, which covers money and finance, and Subtitle III, which covers financial management. The section was dated XXXX and went into effect on XX/XX/XXXX, XXXX12 U.S.C. 83, also known as " Loans by bank on its own stock '', is a section of the United States Code that generally prohibits national banks from making loans or purchasing their own stock as security. However, there are some exceptions, such as when a bank acquires stock to prevent a loss on a debt it previously contracted in good faith. If a bank does acquire stock in this way, it must dispose of it within six months.15 USC 1681n of the Fair Credit Reporting Act ( FCRA ) covers civil liability for willful noncompliance with consumer credit reporting agencies ( CRAs ). The FCRA was enacted in 1970 to promote the accuracy, fairness, and privacy of consumer reporting information. 15 U.S. Code 1681o - Civil liability for negligent noncompliance. in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 15 U.S.C. 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports.This includes having policies and procedures in place before a dispute or investigation is requested.True accord corporations opened XXXX XXXX say its open reaging the account amount {$230.00} XXXX XXXX XXXX amount {$1200.00} opened XXXX XXXX and saying they are the original creditor also XXXX XXXX XXXX amount {$1300.00} XX/XX/XXXX 2023
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am XXXX 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, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
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)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-01
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)

**Re : Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXXXXXX XXXX XXXX  I am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt. 
2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above.

Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately.

Thank you for your attention to this matter.
Consumer complaint received 2024-08-25
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit XXXX  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 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are 2 fraudulent accounts on my credit report that do not belong to me. I did not authorize anyone to open these accounts or have any knowledge of them other than tge accounts being present on my credit report. I filed police reports for tge fraudulent accounts. 

Names and amount owed of fraudulent accounts 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX