davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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. (FL)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2023-03-14
Product: Credit reporting, credit repair services, 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. (NJ)

I am writing to inform you of unauthorized inquiries on my credit report that I would like removed. As per the Fair Credit Reporting Act ( FCRA ), unverified and unauthorized items must be removed from the credit report. Therefore, I request that you remove the following items from my credit report : XXXX account that shows closed on XX/XX/XXXX XXXX  XXXX XXXX that shows closed on XX/XX/XXXX Hard inquiry from XXXX XXXX XXXX Inquiry : XX/XX/XXXX Additionally, I noticed that XXXX is reporting an incorrect address on my credit report. The address mentioned is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, but that is not my address. 

Furthermore, there are inquiries on my credit report that I did not authorize, such as : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I request that you investigate these inquiries and remove them from my credit report as they were not authorized by me. 

I appreciate your prompt attention to this matter and look forward to your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
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: JPMORGAN CHASE & CO. (FL)

I am writing to formally dispute a derogatory mark on my credit report related to an overpayment on my XXXX XXXX loan ( VIN : XXXX ) with Chase Bank. 
On XX/XX/year>, my Chase Bank statement reflected a principal balance of {$22000.00} for the loan. On XX/XX/year>, XXXX of XXXX XXXX paid off this loan in full, remitting {$22000.00}, as confirmed by the attached XXXX sale contract. Therefore, my loan was fully settled, and no further balance is owed to Chase Bank. 
However, due to an oversight, I did not cancel my autopay, resulting in an additional payment being debited from my account after the loan had already been paid off. Despite multiple attempts to resolve this directly with Chase, the extra payment was not refunded. This led me to initiate a dispute with XXXX  XXXX XXXX to recover the funds. 
I respectfully request that the Consumer Financial Protection Bureau review the attached documentation, which clearly demonstrates that the loan was fully paid off by XXXXXXXX XXXX XXXXXXXX XXXX. Alternatively, its possible that XXXXXXXX XXXX XXXXXXXX XXXX did not pay off the full amount, which would constitute a breach of our contract.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX  Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXer 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 2023-10-05
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. (VA)

Account info Account name XXXX, XXXX. 
Account number 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I woke up to find incorrect accounts listed on my credit report and Im completely baffled as to why this is happening. I regularly monitor my credit report, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing the page, thinking it might just be a glitch, but nothing changed. The incorrect information is still there. Because of this, Im asking that the documents Ive sent are thoroughly reviewed so I dont have to go through this stressful situation again.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-10
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. (GA)

Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessen my chances of being approved for a home loan when it wasn't me. Reporting these false things is very misleading. You are in violation because you di nit witness me sign for these inquiries or accounts on my credit report.
Consumer complaint received 2024-09-09
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I requested security freezes from Experian for myself and for several minor children. 

Experian issued the freezes for my children, but not for me. 

My letter, which I sent via postal mail, included everything Experian required. 

Clearly, Experian established my identity as legal guardian, yet their letter to me dated XX/XX/XXXX said they were unable to do so on my own behalf. 

Experian 's response is not logical.
Consumer complaint received 2024-09-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (DC)

I am writing to file a formal complaint against multiple creditors for several violations of consumer protection laws as outlined in 15 U.S. Code 1692e, 1681b ( 2 ), and 1681s2. The violations pertain to false or misleading representations, inaccurate reporting of debt and payments, and responsibilities of furnishers of information to consumer reporting agencies. 

The following creditors have engaged in actions that are in direct violation of the aforementioned statutes : 1. XXXX XXXX - Charged off the account and continues to report the debt as the lender. 
2. XXXX XXXX - Charged off the account twice, once in XX/XX/XXXX and again in XX/XX/XXXX, while continuing to report the debt as the lender. 
3. XXXX XXXX - Incorrectly reported premium payments as a collection on my credit file, with an inaccurate amount. 
4. XXXX XXXX XXXX XXXX XXXX. -Account are closed but not reported Paid as agreed which still inaccurately reported by Experian XXXX XXXX XXXX and XXXX agencies. There are accounts are past the 7 years outdated and still being reported. 
5. US Education - Failure to update the status of a student loan that has been forgiven, reporting the loan amount but not reflecting the XXXX  balance. 

These actions are not only misleading but also detrimental to my credit report and financial standing. Despite providing written instructions and resolving certain accounts, these creditors persist in reporting inaccurate and misleading information. 

I request a thorough investigation into the conduct of these creditors and urge the Consumer Financial Protection Bureau to take appropriate action to rectify these violations. Additionally, I request the correction of my credit reports to accurately reflect the resolved accounts, the forgiven student loan, and the accurate status of each account. 

Enclosed with this letter are relevant documents, including account statements, payment confirmations, and any correspondence exchanged with the aforementioned creditors. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take necessary actions to ensure compliance with consumer protection laws. 

Thank you for this matter.
Consumer complaint received 2024-10-31
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: Self Financial Inc. (TX)

Over XXXX months in XXXX of XXXX  I submitted a complaint to Self/Lead Bank informing them that account XXXX was not in compliance to the FCRA. They sent a response letter saying that they confirmed that this account is reporting accurately contrary to the different dates listed for the date last active and date last reported, and inconsistent payment history. I even tried to take this up with the CRA 's in which they responded that they only report what is furnished to them by the creditor. So, my question is, how are you furnishing different information to the CRA 's? In order to verify that this information is accurately reporting, I am requesting specific documentation that establishes the accuracy and legitimacy of the account in question. Please provide : Original Account Agreement, Account History, Charge-Off Statement, Proof of Balance and Itemization, Date of First Delinquency, Chain of Title for Debt Purchases, Policies and Procedures Documentation. These documents are within my rights to request under the Fair Credit Reporting Act, which mandates that all reported credit information must be accurate and verifiable. If you fail to provide this information, this account must be removed immediately. I also have the right to escalate this complaint through legal channels.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

I have consolidated all my student loan accounts into one balance and payment. My credit bureau is showing all the consolidated accounts as being open including the consolidated balance owed. 
Attached is statements from both lenders showing all is paid in full. 
Attached is my new statement showing the correct balance owed and one monthly payment owed. 
This has dropped from credit score down in the XXXX range. I had a XXXX plus since XXXX  2024.

Please contact to fix.
Consumer complaint received 2024-09-10
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name : XXXX XXXX ( xxxxxxxxxx XXXX ), has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are 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 procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2023-06-06
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. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  account number XXXX, has violated my rights.

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. States a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2024-09-09
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. (VA)

This accounts to reporting inaccurately and are false. I have called, written letters, and send disputes to all credit bureaus. I believe companies can not sell and or take you information and report it on a consumer report without your knowledge. This is aggravated identity theft and identity theft!!!! according to the 18 U.S. Code 1028A.I did not apply for these credits! I am taking appropriate measure so clean my credit after identity theft but the bureaus have been unresponsive. I have attached all my information for this request. I have also filed a official identity theft report with all the information and account that i did not apply for. THESE ACCOUNT NEED TO BE REMOVED BECAUSE THESE ARE NOT MINE. I would like this account removed/deleted as it is hurting my efforts to obtain credit. Thank you for your help and consideration.